RrRental
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Learn by evaluating

The Deal Lab

Follow the evidence. Follow the cash.

Guided evaluation steps →
Fictional example. Editing creates an example variation; your personal draft stays separate. Saved in this browser only.
STR / LTR cash flowAfter replacement funding · per year$11,738 / -$12,410Decision summary →

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Illustrative shocks, not forecasts. Editing a preset customizes it.

Where to find it & what to check

Relative reduction in average nightly rate. Applied together with occupied-night decline.

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Where to find it & what to check

Relative decline, not percentage points. A 20% decline turns 60% occupancy into 48%.

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Where to find it & what to check

Raises fixed costs for both strategies and STR per-night costs. Revenue-based percentages and fixed debt do not change.

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Where to find it & what to check

Applied to scheduled rent before vacancy/nonpayment losses.

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Where to find it & what to check

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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Where to find it & what to check

Additional cash expenditure in the downside scenario. Separate from the internal replacement allocation.

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Where to find it & what to check

Choose the month the modeled repair is paid from the reserve.

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Edit purchase & operating inputs
Downside STR cash flow
-$13,141
Per year · after repair and replacement funding
Downside LTR cash flow
-$25,141
Per year · after repair and replacement funding

Base year versus your scenario

Annual breakdownSTRLTR
STR: base cash flow$11,738—
STR: stressed cash flow before repair-$5,641—
LTR: base cash flow—-$12,410
LTR: stressed cash flow before repair—-$17,641
Additional one-time repair$7,500$7,500
Scenario cash flow after repair-$13,141-$25,141
Change from base-$24,879-$12,730
Two income changes compound.

A 10% rate decline and 20% relative decline in paid nights reduce STR room revenue by 28.0%. Fixed costs and your fixed-rate loan payment still need to be paid.

What this test does—and doesn’t tell you

It calculates the consequence of your inputs. It does not assign a likelihood, predict a worst case, verify legal eligibility or establish a maximum loss.

Percentage-based costs fall with revenue. The cost shock applies to fixed operating costs and STR per-night expenses. Loan principal and interest are unchanged.

Inspect monthly cash reserves