Change the assumptions
Illustrative shocks, not forecasts. Editing a preset customizes it.
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Relative reduction in average nightly rate. Applied together with occupied-night decline.
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Relative decline, not percentage points. A 20% decline turns 60% occupancy into 48%.
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Raises fixed costs for both strategies and STR per-night costs. Revenue-based percentages and fixed debt do not change.
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Applied to scheduled rent before vacancy/nonpayment losses.
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Added to base vacancy loss and capped at 12 months total. Losses are smoothed monthly; this is not an eviction timeline.
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Additional cash expenditure in the downside scenario. Separate from the internal replacement allocation.
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Choose the month the modeled repair is paid from the reserve.
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Dedicated property cash held after acquisition, separate from your household emergency fund.
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Choose cash you want to keep available for this property. Keep household emergency savings separate. This is your threshold, not a recommended amount.
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Your reserve floor: $10,000. STR: first breach Mar · LTR: first breach Mar
Starting reserve: $20,000. Repair paid in Mar.
Balances include actual modeled cash inflows/outflows and the repair. Internal replacement allocations stay in these consolidated cash balances. Negative amounts represent additional funding needed; they are not an available bank balance.
Inspect the monthly numbers
| Month-end | STR cash | LTR cash |
|---|---|---|
| Jan | $18,627 | $18,830 |
| Feb | $17,412 | $17,660 |
| Mar | $9,203 | $8,990 |
| Apr | $8,970 | $7,820 |
| May | $9,180 | $6,650 |
| Jun | $9,959 | $5,480 |
| Jul | $11,056 | $4,310 |
| Aug | $11,994 | $3,140 |
| Sep | $12,109 | $1,970 |
| Oct | $11,781 | $800 |
| Nov | $11,167 | -$371 |
| Dec | $10,459 | -$1,541 |
The STR seasonal pattern is illustrative, not local market data. LTR vacancy and rent losses are spread evenly here. Actual missed payments, opening delays and large bills can create a lower intra-month balance than this simplified model shows.