What you actually keep each month house-hacking a Cleveland two-unit, at three real prices, across rates and rents, with the assistance programs that work inside the city limits and the ones that quietly do not. September 2026 edition, 18 pages, PDF.
The free Cleveland page on my site gives you one number: what the median surviving deal keeps at today's rate. This report is what you need when you are standing in a listing at $185,000 wondering whether it is the good kind of Cleveland deal or the bad kind.
Inside: the same building priced line by line at the entry ($169,997), median ($210,000) and upper-quartile ($299,900) asking price from the 62 listings that survived the Foothold screen, with what you keep per month, cash to close and first-year cash-on-cash at each one. A rate-by-price grid (5.50% to 7.50%) so the day you get a lender quote you read your own answer. Rent bands and the ZIP table of where the surviving listings actually sit. The down payment assistance walkthrough with the traps written out: OHFA covers the whole 3.5% on a two-unit inside the city, the county program does not. A worked example against my own $470,000 duplex, a first-90-days checklist, the formula printed once so you can rebuild it, and 25 dated sources.
Pay what you want from $29. The free Cleveland page and every calculator on the site stay free either way; $29 covers the data refresh. Buyers of this edition get the December 2026 data edition at no charge. If it does not give you a clearer read on Cleveland than the free page did, reply within 30 days for a full refund.
Education, not financial advice. This is arithmetic on public data about a city, not a recommendation to buy any building or use any loan or program, and it knows nothing about your income, credit, debts or tax situation. Program rules and rates change without notice; every figure carries the date it was read. Talk to an OHFA-approved lender, a HUD-approved housing counselor and a tax preparer before you act. Van to Vault is not a lender, broker, agent or advisor and receives no compensation from any lender or program named in the report.