STR financial toolkit

STR vs Long-Term Rental Cash Flow Calculator

The useful comparison is not STR gross revenue versus monthly rent. Compare net cash flow after the costs that belong to each operating model.

Use the full operating model

One metric is only useful in context.

The calculator does not price time, regulation risk, furnishing replacement, tax treatment or owner flexibility. Those factors can matter even when monthly cash flow is higher in one scenario.

The calculator beside this text uses your own ADR, occupancy and cost assumptions. It does not import or infer market demand.

Run the property

No market data required
Use the rate that actually applies to your listing/account.
Modeled as % of room + cleaning revenue.

Uses only the assumptions you enter. It does not estimate local demand or future bookings.

Interpret the result conservatively.

Run at least three scenarios: your expected case, a lower-occupancy case, and a lower-ADR case. If the property only works in the optimistic case, the model is telling you something important.