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Deal Basics
Total acquisition cost.
Percentage of purchase price.
Closing costs plus any rehab or furnishing budget.
Annual mortgage rate (APR).
Mortgage term in years.
Annual property taxes.
Annual homeowners/landlord insurance.
Optional monthly HOA or association dues.
Revenue Assumptions
Average nightly rate.
Check AirDNA or Rabbu for your market.
Charged per booking.
Average nights per booking.
Used for capacity and furnishing flags.
Used for capacity flags.
Operating Expenses
Electric, water, gas, internet.
Percentage of revenue (default 20%).
Percentage of revenue (default 5%).
Airbnb/VRBO host fee (default 3%).
Market Signals
Check AirDNA Market Grade or search Airbnb for your ZIP code.
Beach, ski resort, downtown, event venue, etc.
Potential rent arbitrage signal.
Opportunity Score
79
Strong Opportunity
Monthly Cash Flow
$696
Cash-on-Cash
9.8%
Cap Rate
8.8%
Break-Even Occupancy
57.0%
Annual Revenue
$52,650
Cash Invested
$85,000
Score Breakdown
Hidden Opportunity & Risk Flags
Your 20% management fee is compressing margin. Self-managing could add approximately 12.4% to your cash-on-cash return.
Disclaimer: This tool provides estimates for educational purposes only and is not financial, legal, or investment advice. Always verify local STR regulations and run your own due diligence before purchasing.
Options
Show return metric:
Score Weighting
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What is STR Opportunity Score Calculator?
The STR Opportunity Score Calculator evaluates a specific short-term rental property deal and generates an Opportunity Score from 0 to 100 that blends three weighted sub-scores: Cash Flow Score, Market Risk Score, and Location Demand Score. It computes monthly cash flow, annual cash-on-cash return, cap rate, and break-even occupancy — then surfaces hidden opportunity flags and risk warnings so you can compare deals objectively before committing capital. Key terms: Cap Rate — the annual net operating income (NOI) divided by the purchase price. NOI is all revenue minus operating expenses excluding the mortgage. Cap rate tells you the unleveraged return regardless of how you finance the deal. Cash-on-Cash Return — the annual cash flow (after mortgage payments) divided by the total cash you invested (down payment plus closing and rehab costs). This is your real out-of-pocket yield. Break-Even Occupancy — the occupancy rate at which monthly revenue exactly covers all expenses. The lower this number, the more margin of safety you have if bookings soften. The weighted scoring formula: Opportunity Score = (Cash Flow Score × weight) + (Market Risk Score × weight) + (Location Demand Score × weight). You can adjust the weights in the Options panel — default is 40% cash flow, 30% market risk, 30% location demand.
How to Use This Tool
- 1
Enter your Deal Basics: purchase price, down payment, closing/rehab costs, interest rate, loan term, property tax, insurance, and HOA if applicable.
- 2
Fill in Revenue Assumptions: average daily rate (ADR), occupancy rate, cleaning fee, average stay length, and bedroom/bathroom count.
- 3
Add Operating Expenses: utilities, management fee percentage, supplies reserve, and platform fees.
- 4
Set Market Signals: regulation status, listing density, seasonality, distance to demand driver, and whether the property is currently a long-term rental.
- 5
Read your Opportunity Score (0-100), sub-scores, monthly cash flow, cap rate, cash-on-cash return, and break-even occupancy — all update live as you type.
- 6
Expand the Options panel to toggle furnishing amortization, switch between cap rate and cash-on-cash display, or adjust the score weighting sliders.
Real-World Use Cases
First-Time STR Buyer Comparing Two Listings
Enter the numbers for a $350,000 cabin near a ski resort: 20% down, 7% rate, $200 ADR, 65% occupancy. The tool computes your monthly cash flow, cash-on-cash return, and a 0-100 Opportunity Score. Now run the same inputs for a second property — a $300,000 condo downtown — and compare scores side by side. The sub-scores show you exactly where each deal wins or loses: the cabin may score higher on location demand but lower on cash flow, while the condo flips that ratio. Use the hidden opportunity flags to spot upside you might have missed.
Investor Testing Self-Management vs. Co-Hosting
You are evaluating a deal but unsure whether to pay a 20% management fee or self-manage. Enter all your numbers with the default 20% fee and note the Opportunity Score and monthly cash flow. Now drop the management fee to 0% — watch the cash flow jump and the Opportunity Score rise. The hidden opportunity flags will call out exactly how much self-managing adds to your cash-on-cash return, helping you decide whether the time commitment is worth the extra return.
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Frequently Asked Questions
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