Short-Term Rental Calculator
Airbnb/STR revenue, cash flow, and the occupancy you need to break even.
Your numbers
Purchase & financing
Revenue
Operating expenses
Cash-on-cash return
-11.3%
Annual cash flow ÷ all cash invested (down payment, closing, furnishing).
- Monthly cash flow
- -$1,062
- Gross annual revenue
- $43,891
- NOI (annual)
- $12,802
- RevPAR
- $120
- Breakeven occupancy
- 91.2%
- Cash invested
- $113,000
Revenue per available night
Occupancy needed to cover everything incl. the mortgage
Annual pro forma
| Line item | Annual |
|---|---|
| Gross revenue (237 nights) | $43,891 |
| Platform fees | −$1,317 |
| Management | −$8,778 |
| Maintenance | −$2,195 |
| Utilities, supplies, tax, insurance | −$18,800 |
| Net operating income | $12,802 |
| Debt service | −$25,548 |
| Cash flow | -$12,746 |
Check city ordinances and HOA rules before underwriting an STR. Several DFW cities restrict short-term rentals.
Estimates for planning only. Not financial, tax, or legal advice. Verify every number with your own due diligence and advisors.
How this calculator works
A short-term rental calculator models an Airbnb or VRBO property like the hospitality business it is: revenue comes from your average daily rate (ADR) times occupancy, and expenses include platform fees, management, furnishings, and every utility, costs a long-term landlord never carries.
The metric that separates STR winners from casualties is breakeven occupancy: the occupancy you need just to cover all costs including the mortgage. The further your market's realistic occupancy sits above breakeven, the more durable the investment.
Related calculators
Short-Term Rental questions, answered.
Annualized occupancy of 55–70% is common for well-run DFW listings, with strong seasonality. Underwrite conservatively. Use your market's realistic average, not peak months, and check comparable listings on AirDNA before buying.
Plan on $15,000–$35,000 for a typical single-family STR: furniture, beds and linens, a fully equipped kitchen, smart locks, and professional photos. It's part of your invested cash, so the calculator counts it in cash-on-cash return.
No. Regulation varies sharply by city, and several DFW municipalities restrict or license short-term rentals. Verify the specific city's ordinance and any HOA rules before you underwrite a property as an STR.
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