Vacation Home Group · STR Investment Tool

Analyze any vacation home investment in minutes

Model cash flow, cap rate, and returns across three scenarios. From our team to yours — real numbers before you make an offer.

Open Calculator → See All Features
3
Scenario Models
5
Deal Signal Checks
10yr
Cash Flow Projection
3
Cleaning Models
∞
Properties to Compare
What's included

Everything you need to underwrite an STR deal

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Three-Scenario Modeling
Enter Worst, Most Likely, and Best Case assumptions for ADR and occupancy. See all three results simultaneously — cash flow, cap rate, and cash-on-cash return update live.
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Full PITI Calculator
Mortgage P&I, property tax, insurance, PMI, and HOA. Closing costs with a % / $ toggle. Renovation cost per square foot. Total investment calculated automatically.
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Cleaning Economics
Model three cleaning approaches: Owner Cleans, Hired Cleaner, or Platform Handles. Per-turn P&L shows margin %, monthly net, and a warning if your cleaner costs more than you charge guests.
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Property Manager Suite
Toggle PM on/off and see the full cost impact instantly. Pro adds setup fees, dynamic pricing fees, linen costs, handyman budget, and owner usage nights with lost revenue calculation.
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Deal Signal Score
Five automatic checks: positive cash flow, CoC > 8%, cap rate > 6%, NOI covers mortgage, gross income > 2× PITI. Score 5/5 = Strong Buy. Color-coded rating updates as you type.
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Charts & Projections
Monthly cash flow breakdown, 10-year projection with 3% growth, returns comparison, and expense breakdown — all for every scenario. Visual analysis at a glance.
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Side-by-Side Comparison
Save up to 3 properties and compare them in a dedicated Compare tab. Duplicate any property to test variable changes — "what if I use a PM?" or "what if ADR is $50 higher?"
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PDF Investment Report
Export a formatted report with all three scenarios, investment breakdown, mortgage details, income & returns, expense breakdown, deal signal, and market notes. Print-ready in one click.
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No Account Required
Open it, use it, done. No login, no signup, no email required. Everything runs in your browser. Results are instant — nothing leaves your device.

Start analyzing your deal

Fill in the property details below — results update live as you type.

Simple process

From address to decision in 5 minutes

1
Enter Property Info
Address, beds, baths, purchase price, and financing details. Takes about 2 minutes.
2
Set Income Assumptions
Enter ADR and occupancy for Worst, Likely, and Best scenarios. Research local comps on Airbnb or AirDNA.
3
Model Your Expenses
Choose a cleaning model, toggle a property manager, and fill in operating costs. The dashboard updates instantly.
4
Read Your Deal Signal
See your score, cash flow, cap rate, and CoC across all three scenarios. Export a PDF to share with partners or advisors.

Pricing

Standard vs Pro

Pro is available at no charge to Vacation Home Group clients. Click ⭐ PRO in the app to unlock instantly.

Feature Standard ⭐ Pro
Core Calculator
3-Scenario Analysis (Worst / Likely / Best)✓✓
Full PITI calculator (P&I, tax, insurance, PMI, HOA)✓✓
Down Payment % | $ toggle✓✓
Closing Costs % | $ toggle✓✓
Household Essentials $ | $/ft² toggle✓✓
Lodging Tax % with treatment modes✓✓
OTA Fee treatment toggle (Net / Expense)✓✓
Property photo + acreage✓✓
Results & Analysis
10 STR-focused scenario metrics per card✓✓
Monthly Operating Detail + expense donut chart✓✓
Annual Summary (12 metrics)✓✓
Deal Score & Investor Grade (A–D, 7 signals)✓✓
What-If sliders (ADR, Occ, Price, Rate)✓✓
STR vs. LTR Comparison✓✓
Charts (expense pie, 10-yr projection, returns)✓✓
⭐ Pro Only
Renovation Worksheet (16 presets)—✓
HELOC modeling (Equity Source or Primary Loan)—✓
Seasonality Mode + Smart Spread (12-month modeling)—✓
Mortgage Scenarios (compare up to 3 loans)—✓
Tax Benefits estimate (depreciation, cost segregation)—✓
Appreciation & Total Return projection—✓
Property Manager suite + PM Library—✓
Save & Compare up to 3 properties—✓
PDF export—✓
Seasonal Pacing & Quick Comps benchmark charts—✓

Pro is available to Vacation Home Group clients at no charge. Just share your contact info to unlock.

Unlock Pro Access →

Free Downloads

User Manual & Glossary

Everything you need to get the most out of STRcalc — a full user manual and a plain-English glossary of every abbreviation in the tool.

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User Manual
Step-by-step guide covering every section — whole-number % fields, field warnings, seasonality mode, What-If analysis, Quick Comps (including saved profiles), STR vs. LTR, save & compare, and PDF export.
⬇ Download Manual
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Abbreviations & Glossary
Plain-English definitions for every abbreviation — ADR, NOI, CoC, RevPAN, Breakeven ADR/Occ, Expense Ratio, Dyn. Pricing, LTR PM, What-If and 55+ more — organized by category with alphabetical index.
⬇ Download Glossary

⭐ Unlock Pro Features

Switch to Pro inside the calculator to access the full property management suite, save & compare, side-by-side analysis, and PDF export. Standard access is instant — no account needed.

Full PM Suite Owner Usage Nights Save & Compare Side-by-Side Table Duplicate Properties Comps Notes Amenity Planner PDF Export
Unlock Pro Access →