Free rental calculator · SAMPLE defaults

STR financial calculator

Model startup cash, monthly PITI, operating costs, and short-term rental income in one place — cash flow and cash-on-cash for an acquisition. Compare with our cash-on-cash and STR vs LTR tools.

Educational estimates only — not tax, legal, or investment advice. Defaults mirror a labeled SAMPLE property; verify every assumption before you buy.

Property

Label (optional)Purchase price

Beds / baths (display)

Startup / cash needed

Down payment

Down payment units

Closing costs

Closing units

Furnish & design

Hot tub & special items

Inspection & appraisal

STR license / permit

Photography / listing

Other startup

Financing / PITI

Loan amount = purchase price − down payment. P&I uses standard amortization; mortgage line is P&I + tax + insurance + PMI + monthly HOA (editable override).

Loan rate (APR)

Loan term (years)

Principal & interest (est.)

$2,319

Property tax (monthly)

Insurance (monthly)

PMI (monthly)

HOA (monthly, in PITI)

Override total mortgage paymentMortgage payment (PITI+HOA)

Recurring monthly (excl. mortgage)

Electric / gas

Water

Wifi

Maintenance / capex

Maintenance units

Management

Management units

Landscaping / plow / other

Per stay (host)

Charge HOA per stay (host cost)HOA per stay

Cleaning (host pays)

Cleaning fee (guest)

Count guest cleaning fee as revenue (if you keep it)

Income

Use occupancy % instead of booked daysAvg days booked / month

Average daily rate (ADR)

Avg nights per stay

Cash needed

Before closing: $98,950
After closing: $5,650
Total cash needed: $104,600

Monthly performance

Booked days (equiv.): 20.0
Stays / month: 6.67
Gross revenue: $6,991
Operating expenses: $745
Mortgage (PITI+HOA): $2,884
Monthly cash flow: $3,362
Annual cash flow: $40,342

Returns

Cash-on-cash: 38.6%
Break-even booked days / mo: 10.4

Gross revenue = ADR × booked days (+ guest cleaning fees if included). OpEx adds per-stay HOA/cleaning and % of revenue lines. Cash flow = revenue − OpEx − mortgage. Cash-on-cash = annual cash flow ÷ total startup cash.

Track real STR books

See how SAMPLE properties look in owner-friendly cash flow and Schedule E–oriented categories.

View SAMPLE preview

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Cash-on-cash return · STR vs LTR

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