[Calc Review] Help me analyze this deal

[Joshua Herald]

I am looking at a multi family in cincinnati and I am debating "house hacking" one of the units  while we renovate it to get better financing or just running it as a rental. Obviously by losing a full units rent, the numbers are now low but are still in the positive. How do you calculate the value of not having a mortgage? 

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*This link comes directly from our calculators, based on information input by the member who posted.