Does it pencil? Stress-test the cash flow.

Change any assumption and watch what's left after real costs and the loan. Inputs marked assumed are model defaults, not market facts.

Your deal

Property address (optional, for the review)

Purchase priceyour input$Gross bookings / yryour input$Your estimate incl. cleaning fees, excl. lodging taxes.

Down paymentyour input%Interest rateyour input%30-year amortization (assumed).

Managementassumed rates

Turnovers / yrassumedCleaner cost / turnassumed$

HOA dues / monthyour input$Property tax rateassumed% of pricePlaceholder. Non-primary homes are taxed on 100% of value (Utah Code 59-2-103); the rate depends on the parcel's tax area.

Insurance / yrassumed$Estimate, not a quote.Reserves (capex)assumed% of rent

Also deducted at model defaults (assumed): booking fees 3% of gross, utilities $4,800, supplies 2%, maintenance 1% of price, licenses $500; closing costs 3%.

Cash flow / yr

−$16,256

NOI − debt service

Cash-on-cash

-12.9%

on $126,000 cash in

Economic DSCR

0.43×

NOI ÷ debt service (after all costs)

Lender DSCR

1.16×

Gross × 75% ÷ PITIA

The loan may qualify while the property loses money. Lender DSCR ignores management, cleaning, utilities and reserves.

Gross bookings	$52,000
− ota fees	−$1,560
− management	−$11,050
− cleaning	−$9,000
− utilities	−$4,800
− supplies	−$915
− maintenance	−$4,500
− capex reserve	−$2,288
− insurance	−$2,400
− property tax	−$2,925
− licenses	−$500
NOI	$12,062
− Debt service (P&I)	−$28,318
Cash flow	−$16,256

Lender DSCR sourced: counts 75% of STR gross (a 25% expense factor), per A&D Mortgage's published DSCR guideline; other lenders use 10–25%. Confirm with your lender.

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Modelled, illustrative. No AirDNA or MLS data: gross bookings are your estimate. Not financial advice.

Before the numbers: check whether the address can be rented short-term.