STR Investment Calculator
Will this property actually cash flow?
Drag the sliders. Watch the numbers. See if a DSCR lender would fund it — before you talk to one.
Currently DSCR loans only. Conventional & HELOC support coming soon.
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Property
$
25%
$
3%
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Loan terms
7.5%
30 years
25%
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Revenue assumptions
$
65%
$
3 nights
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Operating expenses (your real numbers)
These drive your actual cash flow. The lender will use 25% of revenue for DSCR — see above.
$
$
$
$
$
% of revenue0%
% of revenue5%
Fixed $ per month
$
Buying
Your monthly cash flow
+$490
+$5,878 per year · uses your detailed expenses
DSCR loan qualification✅
1.46Above 1.20 — likely qualifies
Using 25% lender expense assumption (adjustable below)
Cash-on-cash
2.6%
Cap rate
7.2%
Break-even occ.
71%
Cash to close
$222,000
▸ Monthly P&L breakdown (your real numbers)
Gross revenue$6,623
Operating expenses (yours)−$2,725
Net operating income$3,899
Mortgage (P&I)−$3,409
Cash flow+$490
For DSCR: Lender uses 25% of gross ($1,656/mo) instead of your itemized expenses.
Ready to ship this?
Numbers look good. Now what?
The 12-Step Launch Plan walks you through LLC, banking, insurance, listing, and pricing — every step from "I should buy this" to "first booking confirmed."
Estimates based on inputs. Not financial advice. DSCR threshold of 1.20 is typical — check with your lender for their specific expense ratio and threshold.