Strategy I · Short-Term Rental

STR Workbench

Underwrite any short-term rental. Run break-even analysis, stress-test the assumptions, project long-term wealth, and export a polished PDF — all from one workspace.
I.

Property

Required
sqft
II.

Purchase & Income

Required
$
%
%
yrs
$
STR income
$
Blended annual nightly rate
%
% of 365 nights booked
III.

Operating Expenses

Annual / %
$
$
$
$
%
%
%
%
IV.

Long-Term Outlook

Optional
%
N. MN/WI historic ~2–4%/yr
%
Typically tracks inflation
%
Insurance, taxes outpace inflation
yrs
Length of projection
%
Realtor + closing — for net equity
yrs
For portfolio scaling analysis
Cap on portfolio size
✦ ✦ ✦
Break-Even Analysis
Cash flow truth at your inputs
— Break-Even Threshold —

— %

Monthly Cash Flow
—
In your pocket
Annual Cash Flow
—
After all expenses + debt
Cash-on-Cash
—
Annual / cash invested
Gross Rental Yield
—
Annual gross rent ÷ price
Full breakdown Capital · P&L · Occupancy scenarios · Notes
Avg Booked Nights / Month
—
at target occupancy
Total Booked Nights / Year
—
365 × occupancy
Break-Even Nights / Month
—
to cover all costs
Monthly P&I
—
Mortgage payment

Capital Required

Annual P&L

Cash Flow by Occupancy Scenario

Scenario Occupancy Nights/yr Nights/mo Gross Revenue Annual CF Monthly CF
✦ ✦ ✦
Sensitivity Analysis
Which variables move the needle — ranked by impact

Summary

Tornado Chart · Cash Flow Sensitivity
Equivalent Levers · Each Adds $1,000/yr
Risk & Stress Analysis
Annual cash flow and cash-on-cash return under combined shocks — multiple variables shift together (like a real boom or recession) instead of one at a time. The scenarios table shows each shock's metrics; the dual bar charts visualize the same data.
Break-Even Curves · Occupancy by Price & ADR
Cash Flow Heat Map · ADR × Occupancy
✦ ✦ ✦
Long-Term Projection
Mortgage paydown, total return, and the power of reinvesting cash flow

Summary

Total Return
—
—
Cash Payback
—
—
Year-10 Equity
—
—
Years Saved · Sc B
—
—
Wealth Build · Scenario A (Standard)
Wealth Build · Scenario B (Reinvest CF)
Mortgage Balance · Scenario A vs Scenario B
Annual Cash Flow Evolution (Scenario A)
Milestone snapshots (Scenario A) Key year markers · CF · cumulative · equity · net worth · ROI
Year Annual CF Cumulative CF Equity Net Worth Total ROI
✦ ✦ ✦
Portfolio Scaling
Buying another identical property every N years, up to N total. Each one is priced + rents at today's values inflated by your appreciation / rent-growth assumptions; financing terms held constant.

Summary

Final Net Worth
—
—
Final Annual CF
—
—
External Cash Required
—
—
ROI on External Cash
—
—
Portfolio Wealth Build Over Time
Cash Injection Schedule
Monthly CF · Stacked by Property
Portfolio Net Worth vs Single Property
Acquisition schedule & funding source Per-property purchase price, cash source, and monthly CF before/at/after each buy
Property Bought Yr Purchase Price Cash Needed From Operations From Pocket Mo. CF · Before Mo. CF · Acq Yr Mo. CF · After Mortgage Payoff