STR Financial Modeler
Hi everyone,
Any feedback on my new app would be appreciated. https://strfinancialmodeler.com
Analyze short-term rental investments in seconds.
What It Does
STR Financial Modeler is a free web tool that helps real estate investors quickly analyze short-term rental property acquisitions. Input your property and financing details, and get back:
- Monthly and annual cash flow
- Cash-on-cash return
- Cap rate
- DSCR (Debt Service Coverage Ratio — what lenders look at)
- Tax impact, including cost segregation and bonus depreciation
- 10-year projection with rent growth and expense growth
- Sensitivity analysis — see how changes in occupancy, nightly rate, and interest rate affect your returns
- Scenario comparison — save multiple deals and compare them side-by-side
- PDF export — generate a clean one-page report for lenders, CPAs, or partners
Who It's For
- STR investors analyzing a potential acquisition
- Real estate agents preparing investment analysis for clients
- Lenders evaluating DSCR loan applications
- CPAs reviewing tax impact of STR acquisitions
- Anyone considering buying a short-term rental property
How It Works
Enter property details (price, down payment, interest rate, loan term)
Enter rental income assumptions (nightly rate, occupancy)
Enter operating expenses (management, cleaning, utilities, taxes, insurance, HOA, maintenance)
Enter tax assumptions (marginal rate, cost seg allocation, bonus depreciation)
Click Calculate
Review results, run sensitivity analysis, save scenarios, compare deals, export PDF
Key Features
Cash Flow Analysis
Monthly and annual cash flow after all expenses and mortgage payments.
Tax Impact
First-year depreciation from cost segregation and bonus depreciation. Taxable income after paper losses. After-tax cash flow.
10-Year Projection
Year-by-year revenue, expenses, cash flow, and cumulative returns with configurable growth rates.
Sensitivity Analysis
Interactive sliders show how occupancy, nightly rate, and interest rate changes affect your returns. Instantly see best-case and worst-case scenarios.
Scenario Comparison
Save multiple property analyses and compare them side-by-side. Best metrics highlighted.
PDF Export
One-page professional report with all key metrics, tax impact, and 10-year projection. Ready to send to lenders or CPAs.
Built By an Investor, For Investors