Free Duplex Calculator
Analyze any duplex — cash flow, cap rate, DSCR, house hacking scenarios, and deal score. AI-powered, completely free.
Tell Freddie about your duplex:
What you get — free
Per-Unit Cash Flow
Break down income and expenses at the unit level — both occupied vs house hacking scenarios.
DSCR Calculator
Know before you talk to a lender whether your duplex qualifies for DSCR investor financing.
House Hack Analysis
Model the live-in-one-rent-one scenario. See your effective monthly housing cost vs full investor return.
Deal Score 0–100
Freddie grades your duplex A–F — cap rate, cash flow, DSCR, and market fundamentals.
NOI & Cap Rate
True NOI with all expenses. Cap rate benchmarked against your local duplex market.
Free Forever
Core duplex analysis permanently free. No credit card required.
Why we chose the single-family wholetail over the duplex — and netted $115K
When this Northern Virginia hoarder house came across the desk, someone floated the idea of converting it to a duplex — the lot and zoning supported it. We ran the numbers. A duplex conversion would have required $80-100K in rehab and permitting, with a 9-12 month timeline. Cap rate at the converted value: 5.2%. Cash flow positive, but nothing exceptional. The wholetail as-is: $5K cleanout, 30-day exit, $115,050 profit. The duplex was interesting. The wholetail was a 100/100 deal. We took the 100.
We sold the property as-is for $349K. The renovation pictured was completed by the buyer who purchased it from us. The $115,050 profit reflects our wholetail exit, not the renovation work.
Freddie scored the wholetail 100/100. The duplex scored a 71 — a good deal, just not the best version of this opportunity. Always model every exit.
"Duplex calculator lesson: a good duplex deal and the best deal on a property are sometimes different answers. Run all exits before you commit to the exit with the most complexity."
Duplex Calculator FAQ
How do I analyze a duplex investment?
Key inputs: purchase price, rent per unit, vacancy rate, operating expenses (taxes, insurance, management, maintenance), and financing terms. Freddie AI calculates NOI, cap rate, cash-on-cash return, DSCR, and deal score automatically.
Is a duplex a good investment?
Duplexes offer several advantages: two income streams reduce vacancy risk, owner-occupancy with FHA financing (3.5% down) is possible, and DSCR loans are available for investors. They typically perform better than single-family rentals in cash flow per dollar invested.
What is house hacking a duplex?
House hacking is living in one unit while renting the other. The rental income offsets or eliminates your mortgage payment. With FHA financing at 3.5% down on an owner-occupied duplex, this is one of the most accessible real estate wealth-building strategies.
Can I finance a duplex with FHA?
Yes. FHA loans allow 2-4 unit properties with owner occupancy at 3.5% down. You must live in one unit as your primary residence. This makes house hacking accessible with far less capital than investor financing requires.
How does duplex analysis differ from single-family?
Duplexes are valued on both income and comps, offering more flexibility. They can qualify for DSCR loans. Management and maintenance costs per unit are often lower. Vacancy risk is spread across two units. Freddie accounts for all of this.
What cap rate should I expect on a duplex?
Duplexes typically trade at 5-7% cap rates in suburban markets. In Northern Virginia/DC suburbs, 4.5-6% is more realistic due to high property values. Freddie benchmarks your specific duplex against market norms.
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