STR Concierge

ROI Calculator

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STR Concierge — Investment Analysis Calculator

Comprehensive STR financial modeling with cost segregation and tax optimization

Property Basics
Optional: Name your project for easy reference when saving.
Affects financing, expenses, depreciation, and tax treatment.
Portion of price that's land (not depreciable). Select a state and city for an automatic estimate based on property type and market.
Rental Income
Pro tip: AirDNA Rentalizer is the industry-standard database used by DSCR lenders for income verification. Consider validating your ADR assumption at airdna.co
65%
Industry standard for DSCR underwriting: 65%
Used to calculate number of turnovers/cleanings
Operating Expenses
OTA Commission
15% = $8,926/yr
Average % that OTA platforms charge the host/seller on each booking
What each OTA charges YOU (the host):
Airbnb: ~3% host-only fee (or ~14-16% if host absorbs guest fee)
VRBO / Vacation Rentals by Owner: ~5% host fee
Booking.com: 15% commission (no guest fee — host pays all)
Expedia: 15-20% commission (host pays all)
Direct Bookings (own website): 0% OTA + ~2.9% payment processing
Average host commission across channels: ~15% — Default: 15%
HOA Fees
Not included
Property Taxes
$9,500/yr
Auto-calculated from city
Insurance (STR)
$2,500/yr
Short-term rental specific coverage
Property Management
Not included
Cleaning / Turnover Costs
Not included
Utilities
$1,800/yr
Average monthly utilities cost
Repairs & Maintenance
$1,800/yr
Rule of thumb: 1-2% of property value annually
Supplies & Amenities
Not included
Replacement Reserve
Not included
STR License / Permits
Not included
PMS (Property Management Software)
$75/mo = $900/yr
Action Ledgers, Guesty, Hospitable, OwnerRez, etc.
Total Annual OPEX
$25,239
Operating Expense Ratio
42.4%
Financing
Tax Benefits & Depreciation
4%
Cost Segregation & FF&E
Not included
Disclosures & Important Information

Estimates Only: This calculator provides estimates only and is not financial, tax, or investment advice. All projections are forward-looking and based on assumptions that may not reflect actual results.

Tax Legislation: Tax calculations assume current legislation including the One Big Beautiful Bill Act (100% bonus depreciation for assets acquired after January 19, 2025). Tax law is subject to change.

Material Participation: Material participation requirements under IRC Section 469 must be met to claim STR losses against active income. Consult a tax professional to determine your status.

Cost Segregation: Cost segregation percentages are estimates—actual results require a formal cost segregation study by a qualified specialist. Do not rely on these figures for tax filings.

Depreciation: Depreciation calculations are simplified approximations—consult a CPA for exact figures to use on tax returns.

Rental Income Projections: Rental income projections are based on market data and comparable properties—actual performance may vary significantly based on management, seasonality, and market conditions.

DSCR Qualification: DSCR loan qualification displayed is approximate—actual loan terms depend on lender underwriting, credit profile, and other underwriting criteria.

Business Entity: STR Concierge is a DBA of Brickell Management LLC, operating under the brokerage authority of AV Real Estate Inc.

No Professional Advice: STR Concierge does not provide tax, legal, or financial advice. All investment decisions should be made in consultation with qualified professionals including CPAs, tax attorneys, and financial advisors.

Acknowledgment: By using this calculator, you acknowledge that all results are estimates only and you will not rely solely on these calculations for investment decisions.

Equal Housing Opportunity