STR Financial Modeler

Analyze short-term rental investments in seconds. Cash flow, tax impact, 10-year projections, and scenario comparison — all free.

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What It Does

STR Financial Modeler is a free web tool that helps real estate investors quickly analyze short-term rental property acquisitions. Input your property and financing details, and get back everything you need to make a decision.

Cash Flow Analysis

Monthly and annual cash flow after all expenses and mortgage payments. Know exactly what you'll make.

Tax Impact

First-year depreciation from cost segregation and bonus depreciation. Taxable income after paper losses. After-tax cash flow.

10-Year Projection

Year-by-year revenue, expenses, cash flow, and cumulative returns with configurable growth rates.

Sensitivity Analysis

Interactive sliders show how occupancy, nightly rate, and interest rate changes affect your returns.

Scenario Comparison

Save multiple property analyses and compare them side-by-side. Best metrics highlighted.

PDF Export

One-page professional report with all key metrics. Ready to send to lenders or CPAs.

Who It's For

  • STR investors analyzing a potential acquisition
  • Real estate agents preparing investment analysis for clients
  • Lenders evaluating DSCR loan applications
  • CPAs reviewing tax impact of STR acquisitions
  • Anyone considering buying a short-term rental property

How It Works

  1. Enter property details (price, down payment, interest rate, loan term)
  2. Enter rental income assumptions (nightly rate, occupancy)
  3. Enter operating expenses (management, cleaning, utilities, taxes, insurance, HOA, maintenance)
  4. Enter tax assumptions (marginal rate, cost seg allocation, bonus depreciation)
  5. Click Calculate
  6. Review results, run sensitivity analysis, save scenarios, compare deals, export PDF

Built By an Investor, For Investors

This tool was built by Michael Zimmerman, a real estate investor building a portfolio of short-term rental properties in Texas. It's the same tool he uses to analyze every deal.

No fluff. No upsells. Just the numbers you need to make a decision.

Free to use. No account required.

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