How to Calculate Break-Even Occupancy for a Short-Term Rental
Calculate the occupancy a short-term rental needs to cover fixed and variable costs, with a worked example and a downside test.
Underwriting
Short-Term Rental Underwriting: From Listing to Decision
Use these checks to decide whether a specific vacation rental is legal, financeable, insurable and likely to survive a weak season.
How to Verify an Existing Airbnb's Seller Financials
A buyer's checklist for reconciling platform payouts, expenses, owner stays and transferable assets before buying an operating short-term rental.
Can a Short-Term Rental Permit Transfer When You Buy the Property?
How to verify whether an STR permit survives a property sale, and what to ask the city before you make a nonrefundable commitment.
How to Check HOA Rules Before Buying a Short-Term Rental
Review HOA and condo restrictions on minimum stays, rentals, enforcement and rule changes before underwriting a short-term rental purchase.
What Expenses Should an STR Underwriting Model Include?
A practical list of fixed, booking-driven and replacement costs to include when estimating Airbnb net operating income and cash flow.
How Much Cash Do You Need to Buy a Short-Term Rental?
Estimate STR purchase cash beyond the down payment, including closing, furnishing, launch, carry costs and reserves.
How to Verify STR Insurance Costs Before You Buy
Get property-specific short-term rental insurance quotes and test flood, wind, wildfire and liability costs before removing purchase contingencies.
How to Stress-Test a Short-Term Rental Deal
Run a downside STR investment model for lower occupancy, lower nightly rates, higher expenses and delayed launch before buying.
A sequence for screening a deal
Start with legal use: permit transfer and HOA restrictions. Then verify the revenue evidence, rebuild expenses, obtain an insurance quote, and calculate your full cash requirement. Only after those steps should the base and downside cases determine whether to offer.
Each guide is a separate decision tool with a worked method or document checklist. No single page can approve a property: local rules, lender terms, property condition, and your own finances control the result.
Tell us what you are trying to do
We screen roughly a thousand deals a week and reject about 98%. A thirty minute call tells you whether this fits.