The way you are breaking it down is very spreadsheet-friendly in terms of what would work in a best-case scenario, but landlording for five room hackers is not easy and the rent is not easy to collect in all cases.

I handle loans in your area and also I am a multi family/ house hacker myself.

House-hackers? 

I'm a 2x house hacker and out of state investor.

First time poster and first time House Hacker.

Not an "expert" but I house hack Raleigh and work with house hackers in the area every day.

But if you want to build passive income and generational wealth and have a partner or spouse, you need to do it together.Last note for house hackers: this is most important for you.

How do House hackers handle these types of things when you are renting rooms. 

I was using the BP calculator for awhile, but honestly it’s more than what a house hacker needs.

Many house hackers use this “ladder” approach, building equity and income with each property.A friend of mine started house hacking with a triplex in Phoenix around a decade ago.