# STR Numbers - Calculator and Guide Reference
> Free calculators and educational guides for short-term rental (Airbnb/VRBO) investment scenarios.

Website: https://strnumbers.com

## Purpose and Access

STR Numbers helps visitors model STR purchases, rental arbitrage, furnishing budgets, co-host arrangements, debt-service coverage, and short-term versus long-term rental strategies.

- Calculators are free to use without creating an account.
- Results update from editable inputs in the browser.
- PDF reports on supported calculators require an email address. The DSCR calculator does not offer PDF reports or share links.
- Share links on supported calculators can be copied without providing an email address. They encode scenario inputs, including an optional property name, in the URL.
- Calculator outputs estimate a scenario; they are not appraisals, property forecasts, investment recommendations, or lender approvals.
- The site collects usage and technical information and information voluntarily provided for reports or contact, including email addresses. See https://strnumbers.com/privacy.

## Deal Analyzer
URL: https://strnumbers.com/deal-analyzer

Inputs:
- Purchase price, down payment percentage, interest rate, and loan term.
- Nightly rate, occupancy percentage, cleaning fee, and average stay length.
- Platform fee percentage, annual property tax and insurance, monthly utilities and HOA dues.
- Maintenance reserve and property-management percentages.

Outputs:
- Monthly and annual cash flow, net operating income (NOI), and mortgage payment.
- Cash-on-cash return, cap rate, break-even occupancy, invested cash, and payback period.

Calculation method:
- Modeled booked nights = 365 x occupancy percentage / 100.
- Nightly revenue = nightly rate x modeled booked nights. Nightly rate excludes separately charged cleaning fees.
- Turnovers = booked nights / average stay length, rounded up. Cleaning revenue = cleaning fee x turnovers.
- Annual gross revenue = nightly revenue + cleaning revenue.
- NOI = annual gross revenue - modeled operating expenses, before mortgage payments.
- Annual cash flow = NOI - annual mortgage payments. Monthly cash flow = annual cash flow / 12.
- Cash-on-cash return = annual cash flow / modeled invested cash x 100.
- Cap rate = NOI / purchase price x 100; financing is excluded from NOI.

Model limitations:
- Invested cash includes the down payment and estimated closing costs of 3% of purchase price. It excludes furnishing, repairs, and additional cash reserves, so the return can overstate results when those costs are material.
- Cleaning costs are assumed to equal cleaning fees charged. Platform, maintenance, and management percentages apply to gross revenue, including cleaning revenue.
- Break-even occupancy uses fixed costs, debt service, and modeled net revenue per booked night. The displayed percentage rounds up and caps at 100%; occupancy alone cannot solve a scenario with inadequate per-night contribution.
- These annualized assumptions do not model each month of seasonality or every possible expense. Use property-specific costs and downside scenarios.

## VRBO Calculator
URL: https://strnumbers.com/vrbo-calculator

Uses the purchase model with editable VRBO assumptions. The editable 8% example is illustrative, not verified current pricing or a conservative estimate. The official Vrbo pay-per-booking page checked October 3, 2026 describes an all-in 12% commission and separately lists 3% processing; account applicability is unresolved. Confirm booking-specific fees in the Owner Dashboard or statement. Actual commission and processing bases, reservation sources, software arrangements, region, and taxes can affect fees; use the fee applicable to the booking. Average stay length affects modeled turnovers and cleaning costs.

## Arbitrage Calculator
URL: https://strnumbers.com/arbitrage-calculator

Models leasing a property for permitted short-term rental operation.

Inputs:
- Monthly rent, security deposit, and furnishing budget.
- Nightly rate, occupancy, cleaning fee, average stay length, and cleaning cost per turnover.
- Platform fee percentage, utilities, insurance, supplies, and other monthly expenses.

Outputs:
- Monthly and annual net profit, profit margin, startup investment, months to recover startup costs, annual ROI, and break-even occupancy.

Startup investment in this model is security deposit plus furnishing budget; other setup costs and reserves must be considered separately. Monthly occupancy uses 30.4 days. Annual profit is modeled monthly profit x 12. Confirm lease permission and local rules separately; calculator profitability does not establish legal permission to operate.

## Furnishing Budget
URL: https://strnumbers.com/furnishing-budget

Build an editable line-item budget using property size, quality level, bathrooms, outdoor areas, quantities, unit costs, included items, and a cost adjustment. Results group costs by category and show total and adjusted budgets. Example prices are planning inputs; replace them with actual quotes.

## Co-Host Splitter
URL: https://strnumbers.com/co-host-splitter

Compare percentage-of-gross, percentage-of-net, flat-fee, and hybrid arrangements. Inputs include revenue, seasonal revenue assumptions, enabled expenses, who pays each expense, responsibilities, and estimated hours.

Outputs include owner and co-host monthly/annual take-home, expense allocation, effective revenue percentages, and a modeled co-host hourly rate. These calculations describe the selected arrangement; they do not establish a universally fair fee or replace a co-host agreement.

## DSCR Calculator
URL: https://strnumbers.com/dscr-calculator

Inputs:
- Gross annual rental income.
- Operating expenses as an annual dollar amount or percentage of income.
- Monthly principal-and-interest loan payment.

Method and outputs:
- NOI = gross annual rental income - annual operating expenses.
- Annual debt service = monthly loan payment x 12.
- DSCR = NOI / annual debt service.
- Also shows income needed to reach the tool's 1.25 comparison ratio.

A DSCR of 1.0 means modeled NOI equals modeled debt service. Lender income definitions, payment definitions, ratio thresholds, borrower requirements, and underwriting vary. The tool does not determine loan eligibility or approval. It does not offer PDF reports or share links.

## Airbnb vs Long-Term Rental
URL: https://strnumbers.com/airbnb-vs-long-term-rental

Compare STR and long-term rental cash flow and returns under shared purchase and financing assumptions. The STR side includes nightly rate, occupancy, turnover/cleaning, platform fees, furnishing, and operating costs; the long-term side includes monthly rent, vacancy, and operating costs. Results include strategy cash flow, return comparisons, and occupancy needed to match long-term cash flow.

## City Calculators and Regulations

Canonical directory: https://strnumbers.com/markets

Airbnb route pattern: https://strnumbers.com/airbnb-calculator/{city-slug}
VRBO route pattern: https://strnumbers.com/vrbo-calculator/{city-slug}

City calculators use illustrative presets. The nightly rate, occupancy, cleaning fee, and purchase-price inputs have no documented original data source, observation period, or property segment. They are not live market data, measured averages, or typical-property forecasts. Replace every preset with current property-specific comps, costs, and financing terms.

Airbnb city calculator pages:
1. Denver, CO - https://strnumbers.com/airbnb-calculator/denver
2. Austin, TX - https://strnumbers.com/airbnb-calculator/austin
3. Nashville, TN - https://strnumbers.com/airbnb-calculator/nashville
4. Scottsdale, AZ - https://strnumbers.com/airbnb-calculator/scottsdale
5. Miami, FL - https://strnumbers.com/airbnb-calculator/miami
6. San Diego, CA - https://strnumbers.com/airbnb-calculator/san-diego
7. Savannah, GA - https://strnumbers.com/airbnb-calculator/savannah
8. Park City, UT - https://strnumbers.com/airbnb-calculator/park-city
9. Charleston, SC - https://strnumbers.com/airbnb-calculator/charleston
10. Lake Tahoe, CA - https://strnumbers.com/airbnb-calculator/lake-tahoe
11. Gatlinburg, TN - https://strnumbers.com/airbnb-calculator/gatlinburg
12. Gulf Shores, AL - https://strnumbers.com/airbnb-calculator/gulf-shores
13. Phoenix, AZ - https://strnumbers.com/airbnb-calculator/phoenix
14. New Orleans, LA - https://strnumbers.com/airbnb-calculator/new-orleans
15. Joshua Tree, CA - https://strnumbers.com/airbnb-calculator/joshua-tree
16. Tampa, FL - https://strnumbers.com/airbnb-calculator/tampa
17. Sedona, AZ - https://strnumbers.com/airbnb-calculator/sedona
18. Pigeon Forge, TN - https://strnumbers.com/airbnb-calculator/pigeon-forge
19. Destin, FL - https://strnumbers.com/airbnb-calculator/destin
20. Branson, MO - https://strnumbers.com/airbnb-calculator/branson
21. Orlando, FL - https://strnumbers.com/airbnb-calculator/orlando
22. Myrtle Beach, SC - https://strnumbers.com/airbnb-calculator/myrtle-beach
23. Big Bear, CA - https://strnumbers.com/airbnb-calculator/big-bear
24. Breckenridge, CO - https://strnumbers.com/airbnb-calculator/breckenridge
25. Key West, FL - https://strnumbers.com/airbnb-calculator/key-west
26. Las Vegas, NV - https://strnumbers.com/airbnb-calculator/las-vegas
27. Sarasota, FL - https://strnumbers.com/airbnb-calculator/sarasota
28. St. Petersburg, FL - https://strnumbers.com/airbnb-calculator/st-petersburg
29. Jacksonville, FL - https://strnumbers.com/airbnb-calculator/jacksonville
30. Cape Coral, FL - https://strnumbers.com/airbnb-calculator/cape-coral

Regulation directory: https://strnumbers.com/airbnb-regulations
City rule route pattern: https://strnumbers.com/airbnb-regulations/{city-slug}

Regulation pages summarize permits, taxes, and operating restrictions where recorded. Each page reports whether an official source and verification date are recorded. Rules change; confirm the current property-specific requirements with local government before relying on a summary.

## Published Guides
Directory: https://strnumbers.com/blog

These educational guides explain models, costs, fees, and operating considerations. Worked examples and numerical ranges do not establish a verified result for any property. Tax, legal, financing, and insurance decisions require current rules or terms and qualified advice where appropriate.

- [VRBO Market Analysis](https://strnumbers.com/blog/vrbo-market-analysis): How to research local comps, seasonality, fees, and regulations before choosing calculator assumptions.
- [STR Calculator Alternatives](https://strnumbers.com/blog/str-calculator-alternative): Choose a calculator for deal math, financing, furnishing, arbitrage, or market research.
- [Rabbu Alternative](https://strnumbers.com/blog/rabbu-alternative): Compare STR Numbers deal modeling with property and market research tools.
- [Mashvisor Alternative](https://strnumbers.com/blog/mashvisor-alternative): Distinguish investment calculations from property search and market data.
- [AirDNA Alternative](https://strnumbers.com/blog/airdna-alternative): Use a deal calculator alongside independently researched revenue assumptions.
- [Airbnb Deal Analyzer Checklist](https://strnumbers.com/blog/airbnb-deal-analyzer): Inputs and checks for revenue, expenses, cash flow, returns, and break-even occupancy.
- [Is VRBO Profitable?](https://strnumbers.com/blog/is-vrbo-profitable): Work from gross revenue to modeled net profit after fees, operating costs, and mortgage.
- [VRBO Occupancy Rate](https://strnumbers.com/blog/vrbo-occupancy-rate): Occupancy calculation, scenario assumptions, and slow-listing checks; no single national benchmark.
- [How to Scale an Airbnb Portfolio](https://strnumbers.com/blog/how-to-scale-airbnb-portfolio): A portfolio scenario covering capital, cash flow, co-hosting, and operations.
- [Mid-Term Rentals vs STR](https://strnumbers.com/blog/mid-term-rental-vs-str): Compare rental durations, turnover costs, demand, and regulatory considerations.
- [Airbnb Cleaning Fees](https://strnumbers.com/blog/airbnb-cleaning-fee-guide): Set cleaning-fee assumptions using actual turnover costs and stay length.
- [Airbnb Occupancy Rate](https://strnumbers.com/blog/airbnb-occupancy-rate): Occupancy formula, RevPAR, and the relationship between pricing and booked nights.
- [Airbnb Dynamic Pricing](https://strnumbers.com/blog/airbnb-dynamic-pricing): Smart Pricing, manual overrides, and pricing software considerations.
- [VRBO vs Airbnb Fees](https://strnumbers.com/blog/vrbo-vs-airbnb-fees): Compare fee models and net payouts using the fees applicable to the listing.
- [Short-Term Rental Tax Deductions](https://strnumbers.com/blog/short-term-rental-tax-deductions): Educational overview of deductions and participation rules; verify current rules with a qualified tax professional.
- [How to Start Airbnb Arbitrage](https://strnumbers.com/blog/how-to-start-airbnb-arbitrage): Research, lease permission, setup, pricing, and operational checks.
- [Cities for Rental Arbitrage](https://strnumbers.com/blog/best-cities-rental-arbitrage-2026): Market-selection examples and evaluation criteria; independently verify local demand, rents, and rules.
- [Rental Arbitrage vs Co-Hosting](https://strnumbers.com/blog/arbitrage-vs-co-hosting): Compare startup costs, operating responsibilities, risk, and income models.
- [How to Finance an Airbnb Investment](https://strnumbers.com/blog/how-to-finance-airbnb-investment): Compare financing paths; eligibility and terms depend on the lender and property.
- [Airbnb Rental Arbitrage](https://strnumbers.com/blog/airbnb-rental-arbitrage): Model lease-based profit, startup investment, and break-even occupancy.
- [Short-Term Rental Insurance](https://strnumbers.com/blog/short-term-rental-insurance): Coverage considerations and platform-protection limitations; confirm policy terms with the insurer.
- [Airbnb Tax Deductions](https://strnumbers.com/blog/airbnb-tax-deductions): Educational discussion of expenses, depreciation, and tax treatment; obtain property-specific professional advice.
- [DSCR Loans for Short-Term Rentals](https://strnumbers.com/blog/dscr-loans-short-term-rental): Income evaluation and financing considerations; current lender criteria control.
- [Airbnb Cap Rate](https://strnumbers.com/blog/airbnb-cap-rate): NOI divided by purchase price, a hypothetical worked comparison, and limits of cap rate.
- [VRBO Income Potential](https://strnumbers.com/blog/vrbo-income-potential): Revenue factors, property-type scenarios, fees, and an estimation process.
- [Airbnb Host Fees](https://strnumbers.com/blog/airbnb-host-fees): Single-fee and legacy split-fee models; use the fee shown for the reservation.
- [Airbnb Co-Hosting Guide](https://strnumbers.com/blog/airbnb-co-hosting-guide): Responsibilities, payment structures, and agreement considerations.
- [Short-Term Rental Investing Guide](https://strnumbers.com/blog/short-term-rental-investing-guide): Analysis, financing, setup, and operations for an STR business.
- [Breakeven Occupancy Ratio](https://strnumbers.com/blog/breakeven-occupancy-ratio): Formula and worked scenarios for the occupancy needed to cover modeled costs.
- [Airbnb Startup Costs](https://strnumbers.com/blog/airbnb-startup-costs): Launch-budget categories and examples to replace with actual quotes.
- [Occupancy Rate to Break Even](https://strnumbers.com/blog/occupancy-rate-break-even): Estimate the booked-night percentage needed to cover expenses.
- [VRBO Host Fees](https://strnumbers.com/blog/vrbo-host-fees): Pay-per-booking commission, processing fees when applicable, and exceptions.
- [How Much Can You Make on Airbnb?](https://strnumbers.com/blog/how-much-can-you-make-airbnb): Income factors and revenue scenarios; estimate a property using local comps and its costs.
- [VRBO Rental Income](https://strnumbers.com/blog/vrbo-rental-income): Estimate revenue and profit using occupancy, nightly rate, fees, and expenses.
- [VRBO vs Airbnb](https://strnumbers.com/blog/vrbo-vs-airbnb): Compare fee treatment, guest types, and booking patterns for the property.
- [How to Analyze an Airbnb Investment](https://strnumbers.com/blog/how-to-analyze-airbnb-investment): Evaluate revenue evidence, costs, financing, cash flow, and break-even risk.
- [Short-Term Rental ROI](https://strnumbers.com/blog/short-term-rental-roi): Return calculations and assumptions that affect cash-on-cash results.
- [Airbnb Pricing Strategy](https://strnumbers.com/blog/airbnb-pricing-strategy): Use comparable listings and seasonality to choose nightly-rate assumptions.
- [Short-Term Rental Expenses](https://strnumbers.com/blog/short-term-rental-expenses): Build a property-specific budget for ownership, operating, and booking costs.
- [Cash-on-Cash Return for Airbnb](https://strnumbers.com/blog/cash-on-cash-return-airbnb): Annual cash flow divided by invested cash and common comparison mistakes.
- [Airbnb vs Long-Term Rental](https://strnumbers.com/blog/airbnb-vs-long-term-rental): Compare revenue, expenses, and operational effort between rental strategies.
- [Airbnb Co-Host Fees](https://strnumbers.com/blog/airbnb-co-host-fees): Fee structures, responsibility scope, and modeled owner/co-host splits.
- [Cost to Furnish an Airbnb](https://strnumbers.com/blog/cost-to-furnish-airbnb): Room-by-room setup estimates and budget planning.
- [Airbnb Break-Even Occupancy](https://strnumbers.com/blog/airbnb-break-even-occupancy): Formula, hypothetical worked example, and assumptions behind the result.

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