Deal analysis
Pick the kind of deal, enter the property once, and see what it costs, what it earns, and whether it clears your targets. Save deals, compare them side by side, and print a deal sheet for your lender or partner.
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Generic illustrative defaults. Pick a state to adjust taxes and insurance. State income tax on rent: varies. Illustrative defaults, verify locally. As of Sep 2026.
Furnishing estimate (mid): $21,300. Prep for STR: $3,300.
New loan $420,000 at $2,865/mo. Pays off $340,000 plus $12,600 closing.
| Short-term | Medium-term | Long-term | |
|---|---|---|---|
| Furnishing + prep | $24,600 | $23,400 | $600 |
| Total cash invested | $191,933 | $190,733 | $167,933 |
| Cash left in deal after refi | $124,533 | $123,333 | $100,533 |
| Gross revenue | $78,074 | $36,720 | $30,780 |
| Operating expenses | |||
| Net operating income | $44,672 | $16,546 | $17,540 |
| Debt service | $34,382 | $34,382 | $34,382 |
| Monthly cash flow | $858 | -$1,486 | -$1,404 |
| Annual cash flow | $10,290 | -$17,836 | -$16,842 |
| Cash-on-cash return | 8.3% | -14.5% | -16.8% |
| Cap rate (NOI / ARV) | 8.0% | 3.0% | 3.1% |
| DSCR | 1.30 | 0.48 | 0.51 |
| Break-even | 51% occupancy | 139% occupancy | $4,502/mo rent |
Here's how this deal looks. You buy at $400,000, put about $73,700 into the rehab, and carry it for 5 months. All in, the property costs you $507,333 before furniture.
If the appraisal lands at $560,000, you created $52,667 of equity through the work.
The refinance at 75% of ARV is a $420,000 loan. After paying off the purchase loan and closing costs, $67,400 comes back to you.
Short-term rental: $78,074 gross, $44,672 NOI, $858/month after the mortgage, with $124,533 left in the deal and 8.3% cash-on-cash. DSCR 1.30.
Medium-term rental: $36,720 gross, $16,546 NOI, -$1,486/month after the mortgage, with $123,333 left in the deal and -14.5% cash-on-cash. DSCR 0.48.
Long-term rental: $30,780 gross, $17,540 NOI, -$1,404/month after the mortgage, with $100,533 left in the deal and -16.8% cash-on-cash. DSCR 0.51.
On cash flow, short-term rental wins in this scenario.
The short-term rental breaks even at 51% occupancy. Below that, it costs you money every month.
| Occ \ Rate | $207 | $251 | $295 | $339 | $384 |
|---|---|---|---|---|---|
| 40% | -$1,815 | -$1,349 | -$883 | -$418 | $59 |
| 50% | -$1,256 | -$674 | -$92 | $490 | $1,086 |
| 60% | -$698 | $1 | $699 | $1,398 | $2,112 |
| 70% | -$140 | $676 | $1,491 | $2,306 | $3,139 |
| 80% | $419 | $1,350 | $2,282 | $3,213 | $4,166 |
| 90% | $977 | $2,025 | $3,073 | $4,121 | $5,193 |
Columns are 70%, 85%, 100%, 115%, and 130% of your nightly rate. Everything else held at the current scenario.
General education, not financial, tax, legal, or lending advice. Rules vary by city and change often. Figures are illustrative. Talk to a CPA, an attorney, a lender, and your local jurisdiction before acting.Dan Dodd · DRE# 00000000 · East Bay, CA.