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STR Profit Calculator
Airbnb · VRBO · Short-Term Rental Analysis
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01Property & Financing
Purchase Price
$
Down Payment
20%
$70,000 down · $280,000 financed
Interest Rate
%
Loan Term
Closing Costs
$
Furnishing & Setup
$
Mortgage: $1,910/mo · Total cash in: $93,000
02Revenue & Bookings
Nightly Rate
$
Occupancy Rate
68%
231 nights · 77 stays/yr
Avg Stay (nights)
Days Available / Yr
365 minus blocked / owner use
Cleaning Fee (guest pays)
$
Platform Host Fee %
%
Airbnb split-fee model ≈ 3%
03Fixed Monthly Expenses
Property Taxes /mo
$
STR Insurance /mo
$
STR insurance > standard HO
HOA Fees /mo
$
Utilities /mo
$
Host pays electric, water, gas
Internet /mo
$
Subscriptions /mo
$
Streaming, smart home, etc.
04Variable & Annual Costs
Your Cleaning Cost /stay
$
What you pay the cleaner
Supplies /stay
$
Toiletries, paper goods
Maintenance Reserve
1%
$3,500/yr · % of property value
Property Mgmt Fee
0%
% of revenue if using manager
05LTR Comparison Inputs
Monthly LTR Rent
$
LTR Vacancy Rate
5%
LTR Mgmt & Extra Costs /mo
$
Mgmt fees, maintenance — not incl. mortgage / tax / ins
Net Cash Flow
$397
/mo after all costs
Net Revenue
$3,925
/mo after platform fee
Total Expenses
$3,528
/mo all-in
Income & Expense Detail
REVENUE
Nightly rate (gross)$3,564
Cleaning fee revenue (gross)$482
Platform fee (3%)−$121
Net Revenue$3,925
FIXED EXPENSES
Mortgage payment−$1,910
Property taxes−$320
STR insurance−$175
Utilities−$220
Internet & subscriptions−$110
VARIABLE EXPENSES
Cleaning costs (77 stays/yr)−$385
Supplies & consumables−$116
Maintenance reserve (1%)−$292
Net Cash Flow+$397
Annual Snapshot
Gross Revenue
$48,552
Net Revenue
$47,095
Total Expenses
$42,332
Net Cash Flow
$4,763
Break-Even Occ
60%
Investment Metrics
Cap Rate
7.9%
NOI (pre-debt) ÷ property value · 5–8% target
Cash-on-Cash Return
5.1%
Annual cash flow ÷ cash in ($93,000)
Gross Rent Multiplier
7.2×
Property value ÷ gross revenue · lower = better
RevPAN
$138.52
Net revenue per available night
Break-Even Occupancy
60.1%
Min. occupancy to cover all fixed costs
Effective ADR
$210.00
Avg nightly rate incl. cleaning fee spread
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STR vs Long-Term Rental
Short-Term Rental (STR)
$397
net /mo
▲ Better by $1,280
Long-Term Rental (LTR)
$883
net /mo
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