This is from the BP rental calculator and is exactly what I'm wanting to see, just with extra payments each month. 

This way the payment never fluctuates.2.

If tenant below is paying 1,500/m he's living in area he wants for roughly 750/m P/I payment.

There was also a loan grant available from the state of NH for first time home buyers for 3% down payment assistance.

By house hacking, you're immediately positioned as a landlord, which will adequately pressure you to learn how to structure your leases, screen applications, collect rental payments, resolve the nuances of managing tenants and addressing property issues, etc.

We refinanced and cashed out all our renovation budget plus $5,000 and actually kept monthly payment the same as rates had dropped.

Start working towards a 5% down payment so you can house hack a MFH.

The wrong tenant can lead to non-payment, evictions, and property damage.

Otherwise, move debt down to a 7-10 year time frame + lower monthly payments.

To me, having one mortgage payment for 2 - 4 houses (basically) always seemed interesting and like something that would give me more bang for my buck.