Skip to main content

STR vs Long-Term Rental Comparison

Compare short-term rental income with traditional long-term leasing

Pair these projections with BudgetBuddy to track monthly cash flow and use PayWise when evaluating personal income scenarios.

Import STR Data

Load saved analysis from Airbnb Revenue Calculator or enter manually

Property & Financing

$
%

$60,000

%
years
$
$1,517

Short-Term Rental

WINNER
$
%
$
$

Includes cleaning, utilities, platform fees, supplies

Annual Revenue:$46,842
Operating Expenses:$24,000
Mortgage Payments:$18,204
Total Expenses:$42,204
Net Annual Income:$4,638
Cash-on-Cash Return:6.63%

Long-Term Rental

$
%

Typical: 5-10% for long-term rentals

$

Includes utilities, maintenance, property management

Annual Revenue:$27,600
Operating Expenses:$9,600
Mortgage Payments:$18,204
Total Expenses:$27,804
Net Annual Income:-$204
Cash-on-Cash Return:-0.29%

Income Difference

$4,842
STR earns more
104.4% difference

Return Metrics

STR ROI:1.5%
LTR ROI:-0.1%
STR Cash-on-Cash:6.6%
LTR Cash-on-Cash:-0.3%
STR has 6.9% higher CoC return

Effort & Risk

Management Time:High vs Low
Turnover Frequency:Frequent vs Rare
Regulation Risk:Higher vs Lower
Income Stability:Variable vs Stable

💡 Recommendation

The income difference is minimal ($4,842). Consider your lifestyle preferences: STR requires active management but offers flexibility, while LTR provides stable passive income with less effort.

Calculations provided as-is for educational purposes only. Results are estimates based on your inputs. Not financial, legal, or tax advice. Short-term rental regulations vary by location and change frequently. Consult with qualified professionals before making investment decisions or launching an STR business.

Comparison assumes stable market conditions. STR income is variable and subject to seasonality, regulation changes, and economic downturns.