STR Cash Flow Calculator

STR Cash Flow Calculator

Short-Term Rental · NOI · Cap Rate · Cash-on-Cash

📍 Property

Zillow / Redfin URL (auto-fills address)

Property Address

Property Type

Bedrooms

🏦 Purchase & Financing

Purchase Price ($)

Down Payment (%)

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Closing Costs ($)

Furnishing / Setup ($)

💰 STR Income

Avg Nightly Rate ($)

Avg Stay Length (nights)

Occupancy Rate — 68%

68%

Platform Fee (% of revenue)

Cleaning Fee Charged ($)

Cleaning Cost Paid ($ per turnover)

🔄 Long-Term Rental Comparison ▼

Monthly LTR Rent ($)

LTR Vacancy Rate (%)

📋 Monthly Expenses

Property Tax ($/mo)

Insurance ($/mo)

HOA ($/mo)

Utilities ($/mo)

Internet + Streaming ($/mo)

Supplies / Toiletries ($/mo)

+ Optional / Amenity Expenses ▼

Pool / Hot Tub ($/mo)

Landscaping ($/mo)

Snow Removal ($/mo)

Other Fixed ($/mo)

⚙️ Variable Expenses (% of Value or Revenue)

Property Mgmt (% of revenue)

Channel Manager ($/mo)

Maintenance (% of value/yr)

CapEx Reserve (% of value/yr)

STR Permit / License Fees ($/yr)

-- / 100

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Enter property details to see your deal analysis.

Monthly Cash Flow

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after mortgage & expenses

Annual Cash Flow

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pre-tax

Cash-on-Cash Return

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CoC — target ≥ 8%

Cap Rate

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NOI / Purchase Price

NOI (Annual)

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before debt service

GRM

—

Gross Rent Multiplier

Gross Revenue

—

annual, before expenses

Annual Debt Service

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mortgage P&I

Total Cash In

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down + closing + setup

Annual Dollar Breakdown

Gross Revenue

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Operating Expenses

—

Debt Service

—

Net Cash Flow

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Break-Even Occupancy —

Your Occupancy —

0%50%100%

STR vs Long-Term Rental Comparison

STR Annual CF

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LTR Annual CF

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STR CoC Return

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LTR CoC Return

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Annual P&L Detail

INCOME

Nightly Revenue—

Cleaning Fees (collected)—

– Platform Fees—

Effective Gross Revenue—

OPERATING EXPENSES

Mortgage P&I—

Property Tax—

Insurance—

HOA—

Utilities—

Internet + Streaming—

Supplies—

Cleaning Cost—

Property Management—

Channel Manager—

Maintenance—

CapEx Reserve—

Pool / Hot Tub—

Landscaping—

Snow Removal—

STR Permit Fees—

Other Fixed—

Net Annual Cash Flow —