See how lower accommodation revenue changes modeled cash flow after operating costs, debt payments and reserves. Calculations are illustrations based on your inputs, not property forecasts.
Published October 4, 2026 · BNB Accelerator editorial team
Build the inputs from evidence
Use same-period records and itemized quotes. The deal evidence register helps track source quality. For acquisition cash requirements, use the budget worksheet.
Compare your base case with lower revenue
Default values are invented examples. Replace every input with your own evidence-backed assumptions. Enter all expenses on an annual basis and avoid counting the same expense twice.
How the calculation works
Variable costs = accommodation revenue × variable-cost percentage. Cash flow = revenue − variable costs − fixed operating costs − debt payments − reserve allocation. Cash-on-cash = annual cash flow ÷ total cash invested × 100.
Break-even revenue = (fixed costs + debt payments + reserves) ÷ (1 − variable-cost percentage). This is an annual accommodation-revenue threshold, not an occupancy forecast. At 100% variable costs there is no positive contribution to cover fixed costs.
Downside revenue = base revenue × (1 − decline percentage). The model keeps fixed costs, debt payments and reserves unchanged and scales variable costs proportionally. Costs with minimums, tiered fees, major repairs or refinancing need a separate model. Tax effects, appreciation and sale proceeds are excluded.