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 - regulations unknown
A math-only STR case with enough nightly-rate support to model the revenue path, but with no legal verification for the market.
Focus strategy
Short-Term Rental
Highest-scoring strategy
Short-Term Rental
Recommended strategy
Not recommended
Recommendation status
not_recommended
Verdict
Pass
Data confidence
50% (Medium)
Recommendation confidence
73/100
Comp count
5 comps
Formula trace
Nightly rate
nightlyRate = input.nightlyRateinput.nightlyRate = $235.00$235.00
Occupancy percent
occupancyRate = input.occupancyRateinput.occupancyRate = 62.00%62.00%
Annual booked nights
annualBookedNights = 365 * occupancyRate365 * 62.00%226.3
Gross STR revenue
annualGrossIncome = nightlyRate * 365 * occupancyRate$235.00 * 365 * 62.00%$53,180.50
Vacancy or occupancy adjustment
occupancyAdjustment = nightlyRate * 365 * (1 - occupancyRate)$235.00 * 365 * 38.00%$32,594.50
Platform fees
annualPlatformFees = grossSTRRevenue * strPlatformFeePct$53,180.50 * 12.00%$6,381.66
Cleaning fee leakage
annualCleaningLeakage = grossSTRRevenue * strCleaningFeeLeakagePct$53,180.50 * 4.00%$2,127.22
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$266.67 * 12$3,200.04
Base insurance
annualBaseInsurance = monthlyInsurance * 12$110.00 * 12$1,320.00
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$53,180.50 * 5.00%$2,659.03
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$3,200.04 + $1,320.00 + $0.00 + $6,381.66 + $2,127.22 + $1,920.00 + $900.00 + $900.00 + $360.00 + $2,659.03 + $1,620.00 + $1,320.00 + $1,140.00$23,847.95
NOI
strNOI = grossSTRRevenue - platformFees - cleaningLeakage - utilities - internet - propertyTaxes - baseInsurance - strInsurance - permitOrLicenseCost - lodgingTaxes - strMaintenancePremium - furnishingReserve - restockingSupplies - hoa$53,180.50 - $23,847.95$29,332.55
Monthly debt service
monthlyDebtService = PMT(interestRatePct / 12, loanTermYears * 12, loanAmount)PMT(6.50% / 12, 30 * 12, $221,250.00)$1,398.45
Annual debt service
annualDebtService = monthlyDebtService * 12$1,398.45 * 12$16,781.41
Monthly cash flow
monthlyCashFlow = annualCashFlow / 12$12,551.14 / 12$1,045.93
Annual cash flow
annualCashFlow = annualNOI - annualDebtService$29,332.55 - $16,781.41$12,551.14
DSCR
dscr = annualNOI / annualDebtService$29,332.55 / $16,781.411.75
Cash required
totalCashRequired = purchasePrice * downPaymentPct + adjustedRehabCost + closingCosts + reserves$295,000.00 * 25.00% + $13,200.00 + $8,850.00 + $0.00$95,800.00
Cash-on-cash return
cashOnCashReturn = annualCashFlow / totalCashRequired$12,551.14 / $95,800.0013.10%
STR regulation status
strRegulationStatus is a first-class input and does not infer legality from nightly rate or occupancyinput.strRegulationStatus = unknownunknown
Confidence cap
dataConfidence is capped by STR-specific trust rules when revenue inputs are missing or regulation is not verifiedSTR regulation status is unknown, 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 legalitySTR revenue can be modeled, but it is not recommended until local regulation is verified.STR revenue can be modeled, but it is not recommended until local regulation is verified.
Warnings
- Demo only. Sample values, not live underwriting.
- STR regulations were not verified for this market. Treat this as revenue math only, not legal viability.
Expected failure reason
STR revenue can be modeled, but it is not recommended until local regulation is verified.
Recommendation blockers
- STR revenue can be modeled, but it is not recommended until local regulation is verified.
- local STR regulation still needs to be verified
Assumptions snapshot
Purchase price
$295,000
Rehab budget
$12,000
Monthly rent
Not provided
Nightly rate
$235
Occupancy
62.0%
Holding timeline
6 months
Interest rate
6.5%
STR regulation status
unknown
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 $1,046/mo cash flow, 13.1% cash on cash return, and 1.75 DSCR.
- Verdict is Pass because STR revenue can be modeled, but it is not recommended until local regulation is verified.
- Trust is weakened because rent support is missing from the dataset.