Enter a short-term rental's numbers below and this tool underwrites it the way a lender does — income, expenses, debt coverage, and a straight verdict. Use stabilized projections. Your numbers, disciplined math.
Property & Acquisition
Total Cash to Close—
Financing
Revenue Assumptions — use stabilized projections
Projected Gross Revenue—
Operating Expenses
Total Operating Expenses / year—
Income Cascade
How every dollar of revenue flows to net cash flow · gold = income · crimson = cost
Cash-Flow Sensitivity
Annual cash flow at occupancy from 40% to 85% · the curve crosses $0 at break-even
This analyzer is an educational tool, not investment, lending, or tax advice. Results depend entirely on the assumptions entered — use stabilized projections from a qualified source and verify taxes, insurance, HOA terms, and STR permitting locally. Lender programs, rates, and DSCR thresholds vary; obtain a current quote before making offers.
Lender Stress Test
How the deal holds when revenue drops, expenses rise, or rates increase — the way a lender pressure-tests it.
| Scenario | Gross Revenue | NOI | Debt Service | DSCR | Cash Flow | Verdict |
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Mortgage Amortization Schedule
| Period | Beginning Balance | Payment | Principal | Interest | Ending Balance |
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