Silly question on multi family calculations

[Jesse S.]

I am overthinking this way too much... but I have an amazing calculation sheet.

With that said I am curious as to if I should run the numbers with 3 occupants or 4 occupants if I plan to live in one of the units.

Having a little brain freeze.

I feel like it’s not “fair” to the property if I don’t use 4 (charge myself rent) because it doesn’t give a good idea of what the property will produce after I move out in a year.... I may have just answered my own question.

Thanks in advance for any help.