Should I analyze deal as 100% occupied?

[Jake Graham]

Hey Everyone! I’m looking at house hacking a 4-plex. I’m going to live in one unit and rent out the other 3 witH MY VA Loan. Should I analyze the property at 75% or 100% occupancy due to me living in one unit? If 75%, what’s a good rule of thumb for cash flow? Thanks! -Jake

[Steve Walko]

I think you'd generally want to analyze the deal as fully occupied, as you will not be living there forever I presume, and want to make sure the deal makes sense when you move out. Don't forget to deduct the vacancy rate though from your income calculations.