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.
Scenarios
Selected scenario
STR - occupancy shock
The same STR case after a sharp occupancy drop, showing the revenue path and coverage metrics compress until the Balanced gates fail.
Focus strategy
Short-Term Rental
Highest-scoring strategy
Short-Term Rental
Recommended strategy
Not recommended
Recommendation status
not_recommended
Verdict
Pass
Data confidence
71% (High)
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 = 30.00%30.00%
Annual booked nights
annualBookedNights = 365 * occupancyRate365 * 30.00%109.5
Gross STR revenue
annualGrossIncome = nightlyRate * 365 * occupancyRate$240.00 * 365 * 30.00%$26,280.00
Vacancy or occupancy adjustment
occupancyAdjustment = nightlyRate * 365 * (1 - occupancyRate)$240.00 * 365 * 70.00%$61,320.00
Platform fees
annualPlatformFees = grossSTRRevenue * strPlatformFeePct$26,280.00 * 12.00%$3,153.60
Cleaning fee leakage
annualCleaningLeakage = grossSTRRevenue * strCleaningFeeLeakagePct$26,280.00 * 4.00%$1,051.20
STR utilities
annualSTRUtilities = monthlyStrUtilities * 12$160.00 * 12$1,920.00
Internet
annualSTRInternet = monthlyStrInternet * 12$75.00 * 12$900.00
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$900.00
Permit or license cost
annualPermitLicenseCost = monthlyStrPermitLicenseCost * 12$30.00 * 12$360.00
Lodging taxes if applicable
annualLodgingTaxes = grossSTRRevenue * strLodgingTaxPct$26,280.00 * 5.00%$1,314.00
STR maintenance premium
annualSTRMaintenancePremium = monthlyStrMaintenancePremium * 12$135.00 * 12$1,620.00
Furnishing reserve
annualFurnishingReserve = monthlyStrFurnishingReserve * 12$110.00 * 12$1,320.00
Restocking and supplies
annualRestockingSupplies = monthlyStrRestockingSupplies * 12$95.00 * 12$1,140.00
Operating expense stack
annualOperatingExpenses = annualPropertyTaxes + annualBaseInsurance + annualHoa + annualPlatformFees + annualCleaningLeakage + annualSTRUtilities + annualSTRInternet + annualSTRInsurancePremium + annualPermitLicenseCost + annualLodgingTaxes + annualSTRMaintenancePremium + annualFurnishingReserve + annualRestockingSupplies$3,360.00 + $1,680.00 + $0.00 + $3,153.60 + $1,051.20 + $1,920.00 + $900.00 + $900.00 + $360.00 + $1,314.00 + $1,620.00 + $1,320.00 + $1,140.00$18,718.80
NOI
strNOI = grossSTRRevenue - platformFees - cleaningLeakage - utilities - internet - propertyTaxes - baseInsurance - strInsurance - permitOrLicenseCost - lodgingTaxes - strMaintenancePremium - furnishingReserve - restockingSupplies - hoa$26,280.00 - $18,718.80$7,561.20
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 / 12-$4,953.75 / 12-$412.81
Annual cash flow
annualCashFlow = annualNOI - annualDebtService$7,561.20 - $12,514.95-$4,953.75
DSCR
dscr = annualNOI / annualDebtService$7,561.20 / $12,514.950.60
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 / totalCashRequired-$4,953.75 / $68,500.00-7.23%
STR regulation status
strRegulationStatus is a first-class input and does not infer legality from nightly rate or occupancyinput.strRegulationStatus = verified_allowedverified allowed
Confidence cap
dataConfidence is capped by STR-specific trust rules when revenue inputs are missing or regulation is not verifiedNo STR-specific cap is active. Final data confidence = 71% (High).No active STR-specific 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.
- This case is expected to fail the recommendation gates after the occupancy shock.
Expected failure reason
Occupancy compression pushes STR below the recommendation floor.
Recommendation blockers
- cash on cash return is -7.2%, below 10.0%
- monthly cash flow is -$413, which is not positive
- DSCR is 0.60, below 1.10
Assumptions snapshot
Purchase price
$220,000
Rehab budget
$5,000
Monthly rent
Not provided
Nightly rate
$240
Occupancy
30.0%
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
- STR scores highest because it projects -$413/mo cash flow, -7.2% cash on cash return, and 0.60 DSCR.
- Verdict is Pass because STR scores highest, but it is not recommended because cash on cash return is -7.2%, below 10.0%.
- Trust is weakened because rent support is missing from the dataset.