How does the Airbnb STR vs Long-Term Rental Calculator calculate investment returns?

This calculator models net cash flows, cap rates, debt service coverage ratios (DSCR), and internal rate of return (IRR) by accounting for gross revenue, vacancy allowances, operating expenses, and debt amortization.

What expense ratios are recommended for rental underwriting?

Standard real estate underwriting reserves 5%–8% for property management, 5% for economic vacancy, and 5%–10% for ongoing maintenance and capital expenditure (CapEx) reserves.

Can I export these pro-forma financial schedules?

Yes, you can export your complete pro-forma underwriting model directly to CSV, Excel, or printable PDF format for lender presentation.

Property Monetization Strategy Model

Airbnb STR vs Long-Term Rental Calculator

Is vacation rental hospitality worth the extra effort? Compare actual net profit, operational friction, management fees, and break-even occupancy side-by-side.

Revenue & Operational Assumptions

Short-Term Rental (Airbnb / VRBO)

Average Nightly Rate - ADR ($)

Estimated Occupancy Rate (%)

STR Co-Host / Mgmt Fee (%)

Long-Term Rental (12-Month Lease)

Monthly Market Rent ($)

Annual Vacancy Rate (%)

Property Mgmt Fee (%)

Common Property Debt & Fixed Costs

Monthly Mortgage (P&I) ($)

Fixed Taxes, Ins & HOA ($/mo)

Strategy Comparison

Airbnb (STR) Net Monthly Cash Flow

+$1,215 / mo

$14,580 / year net

Long-Term (LTR) Net Monthly Cash Flow

+$201 / mo

$2,412 / year net

Airbnb Premium Cash Flow: +$1,014 / mo (+505%)

STR Break-Even Occupancy: 43.2%

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