Analysis DemoPublic QA route

Stable demo scenarios for trust QA

This route exposes fixed underwriting scenarios with visible formula traces. It is intended for QA and trust review, not live property analysis.

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Scenarios

Rental - good case Rental - bad case STR - verified allowed STR - regulations unknown STR - restricted STR - occupancy shock STR - missing occupancy Flip - negative profit BRRRR - low DSCR

Selected scenario

STR - missing occupancy

A partial STR input set where nightly rate is present but occupancy is missing, so revenue cannot be fully modeled and Buy remains blocked.

Focus strategy

Short-Term Rental

Highest-scoring strategy

Flip

Recommended strategy

Not recommended

Recommendation status

not_recommended

Verdict

Not Enough Data

Data confidence

50% (Medium)

Recommendation confidence

11/100

Comp count

5 comps

Formula trace

Nightly rate

nightlyRate = input.nightlyRateinput.nightlyRate = $240.00

$240.00

Occupancy percent

occupancyRate = input.occupancyRateinput.occupancyRate = 0.00%

0.00%

Annual booked nights

annualBookedNights = 365 * occupancyRate365 * 0.00%

Gross STR revenue

annualGrossIncome = nightlyRate * 365 * occupancyRateRequires occupancy rate to model STR revenue.

Not modeled

Vacancy or occupancy adjustment

occupancyAdjustment = nightlyRate * 365 * (1 - occupancyRate)$240.00 * 365 * 100.00%

$87,600.00

Platform fees

annualPlatformFees = grossSTRRevenue * strPlatformFeePctRequires occupancy rate to model STR revenue.

Not modeled

Cleaning fee leakage

annualCleaningLeakage = grossSTRRevenue * strCleaningFeeLeakagePctRequires occupancy rate to model STR revenue.

Not modeled

STR utilities

annualSTRUtilities = monthlyStrUtilities * 12$160.00 * 12

Not modeled

Internet

annualSTRInternet = monthlyStrInternet * 12$75.00 * 12

Not modeled

Property taxes

annualPropertyTaxes = monthlyTaxes * 12$280.00 * 12

$3,360.00

Base insurance

annualBaseInsurance = monthlyInsurance * 12$140.00 * 12

$1,680.00

STR insurance premium

annualSTRInsurancePremium = monthlyStrInsurancePremium * 12$75.00 * 12

Not modeled

Permit or license cost

annualPermitLicenseCost = monthlyStrPermitLicenseCost * 12$30.00 * 12

Not modeled

Lodging taxes if applicable

annualLodgingTaxes = grossSTRRevenue * strLodgingTaxPctRequires occupancy rate to model STR revenue.

Not modeled

STR maintenance premium

annualSTRMaintenancePremium = monthlyStrMaintenancePremium * 12$135.00 * 12

Not modeled

Furnishing reserve

annualFurnishingReserve = monthlyStrFurnishingReserve * 12$110.00 * 12

Not modeled

Restocking and supplies

annualRestockingSupplies = monthlyStrRestockingSupplies * 12$95.00 * 12

Not modeled

Operating expense stack

annualOperatingExpenses = annualPropertyTaxes + annualBaseInsurance + annualHoa + annualPlatformFees + annualCleaningLeakage + annualSTRUtilities + annualSTRInternet + annualSTRInsurancePremium + annualPermitLicenseCost + annualLodgingTaxes + annualSTRMaintenancePremium + annualFurnishingReserve + annualRestockingSupplies

Requires STR expense assumptions.

Not modeled

NOI

strNOI = grossSTRRevenue - platformFees - cleaningLeakage - utilities - internet - propertyTaxes - baseInsurance - strInsurance - permitOrLicenseCost - lodgingTaxes - strMaintenancePremium - furnishingReserve - restockingSupplies - hoa

Requires occupancy rate to model STR revenue.

Not modeled

Monthly debt service

monthlyDebtService = PMT(interestRatePct / 12, loanTermYears * 12, loanAmount)PMT(6.50% / 12, 30 * 12, $165,000.00)

$1,042.91

Annual debt service

annualDebtService = monthlyDebtService * 12$1,042.91 * 12

$12,514.95

Monthly cash flow

monthlyCashFlow = annualCashFlow / 12Requires occupancy rate to model STR revenue.

Not modeled

Annual cash flow

annualCashFlow = annualNOI - annualDebtServiceRequires occupancy rate to model STR revenue.

Not modeled

DSCR

dscr = annualNOI / annualDebtServiceRequires occupancy rate to model STR revenue.

Not modeled

Cash required

totalCashRequired = purchasePrice * downPaymentPct + adjustedRehabCost + closingCosts + reserves$220,000.00 * 25.00% + $5,500.00 + $8,000.00 + $0.00

$68,500.00

Cash-on-cash return

cashOnCashReturn = annualCashFlow / totalCashRequiredRequires occupancy rate to model STR revenue.

Not modeled

STR regulation status

strRegulationStatus is a first-class input and does not infer legality from nightly rate or occupancyinput.strRegulationStatus = verified_allowed

verified allowed

Confidence cap

dataConfidence is capped by STR-specific trust rules when revenue inputs are missing or regulation is not verifiedNightly rate or occupancy is missing, so data confidence is capped at 50%. Final data confidence = 50% (Medium).

50% active cap

Legal blocker

legalBlocker = first STR-specific recommendation blocker tied to local regulation or legalityNo STR-specific legal blocker is active.

None

Warnings

Demo only. Sample values, not live underwriting.
STR underwriting is incomplete because a required revenue input is missing.

Expected failure reason

STR revenue cannot be fully modeled because occupancy rate is missing.

Recommendation blockers

STR revenue cannot be fully modeled because occupancy rate is missing.

Assumptions snapshot

Purchase price

$220,000

Rehab budget

$5,000

Monthly rent

Not provided

Nightly rate

$240

Occupancy

Not provided

Holding timeline

6 months

Interest rate

6.5%

STR regulation status

verified allowed

Refi LTV

75.0%

Refi closing costs

2.0%

Seasoning

6 months

Minimum refi DSCR

1.20

Sale costs

8.0%

Decision reasons

Flip scores highest because it projects -$38,593 net profit at -16.7% margin.
Verdict is Not Enough Data because STR is missing occupancy rate.
Trust is weakened because rent support is missing from the dataset.