STR Investment Underwriter

Short-Term Rental Deal Analysis

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Underwrites short-term rental acquisitions end to end: projected revenue and occupancy, the full operating-expense stack, financing, amenity ROI, and cash-on-cash through IRR, plus a year-by-year federal tax model covering depreciation, cost segregation and passive-loss rules. You see the whole picture before you make an offer.

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Analysis Features

Revenue-to-Price Gate

Every deal is screened first against a revenue-to-purchase-price gate (default 20%) with a red/amber/green verdict before any deeper math runs — thresholds adjustable per assumption set.

Triple Revenue Estimate

Median, 75th-percentile, and beatable-comp revenue shown side by side — never a single point estimate — with independent comp-hygiene and projection-haircut toggles.

Federal Tax Engine

Per-year MACRS depreciation with exact IRS Pub 946 arithmetic, cost-segregation allocation, 100% bonus depreciation with the 2025 acquisition-date cliff, and §469 passive-loss suspension — gated behind a material-participation check so trapped losses are never shown as usable.

Expert Assumption Presets

Switchable assumption sets synthesized from leading STR underwriting practitioners, with every contested number (CoC targets, expense ratios, comp adjustments) exposed as a labeled choice — plus your own saved custom presets.

Amenity ROI & Furnishing

Amenity payback ranges with sample sizes and market-applicability badges — hot tubs, pools, game rooms — plus furnishing budgets benchmarked by bedroom count with coastal adjustments and ramp-period revenue loss.

Market Screener

Grade candidate markets on price and projected revenue, save and compare them, and promote a winner straight into the full underwriter pre-graded.

Stress Testing

Every deal re-run at an 8% rate shock and against a long-term-rental fallback, with breakeven revenue-drop analysis — plus a max-allowable-offer solver that works backward from your target return.

Financing Products

DSCR, conventional investment, and 10%-down second-home loan modeling with cent-exact amortization and lender-style qualifying-income haircuts.

Methodology Basis

IRS Pub 946 — MACRS DepreciationIRS Pub 527 — Residential Rental PropertyIRS Pub 925 — Passive Activity RulesIRC §469 — Passive Activity LossesIRC §168(k) — Bonus DepreciationMulti-Expert Underwriting PresetsCent-Exact Amortization

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All figures are computational estimates for research and planning, not investment, legal, or tax advice. Consult qualified professionals before acting on any analysis.