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.

1. 1

   Enter your Deal Basics: purchase price, down payment, closing/rehab costs, interest rate, loan term, property tax, insurance, and HOA if applicable.

2. 2

   Fill in Revenue Assumptions: average daily rate (ADR), occupancy rate, cleaning fee, average stay length, and bedroom/bathroom count.

3. 3

   Add Operating Expenses: utilities, management fee percentage, supplies reserve, and platform fees.

4. 4

   Set Market Signals: regulation status, listing density, seasonality, distance to demand driver, and whether the property is currently a long-term rental.

5. 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. 6

   Expand the Options panel to toggle furnishing amortization, switch between cap rate and cash-on-cash display, or adjust the score weighting sliders.

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