Set purchase and financing assumptions
Enter home price, down payment, interest rate, term, closing costs and furnishing budget, or switch to an all-cash purchase.
Short-term rental investment tool
Florida Airbnb Investment Calculator
Estimate short-term rental performance using nightly rate, occupancy, financing, management, platform fees, utilities, cleaning, maintenance, taxes, insurance and HOA assumptions.
How it works
How to use this calculator
Estimate short-term rental performance by combining nightly rate and occupancy with financing, operating expenses and the cash required to acquire and furnish the property.
Estimate nightly rate and occupancy
Use realistic average nightly rate and occupancy assumptions for the specific community and season mix.
Add operating expenses
Include management, platform fees, cleaning, maintenance, utilities, HOA, property tax and insurance.
Review cash flow and investment returns
Compare monthly cash flow, cap rate, cash-on-cash return and simple profit projections.
Calculator
Run your scenario
Adjust the inputs below and the results will update automatically.
Illustrative estimate only. Results vary by rates, costs, market conditions, property and strategy. Not financial, tax, legal, lending or investment advice.
Understanding your results
How to interpret the numbers
Short-term rentals can produce higher gross revenue than long-term rentals, but they also carry more operating variability. Read revenue and expense assumptions together.
Monthly revenue
Estimated nightly rate multiplied by occupied nights in an average month.
Monthly cash flow
Estimated NOI after operating expenses minus the modeled mortgage payment.
Cap rate
Annualized NOI divided by home price, before financing.
Cash-on-cash return
Annualized cash flow divided by modeled initial cash investment, including down payment, closing costs and furnishing.
Calculation methodology
How the key metrics are calculated
The current calculator uses a simplified average-month model. It does not model seasonal pricing month by month, so use conservative assumptions and scenario testing.
Average monthly revenue
This converts average nightly rate and occupancy into an estimated monthly gross revenue.
Nightly rate × (365 ÷ 12) × occupancy rate
NOI
Operating expenses include management, platform fees, cleaning, maintenance, utilities, HOA, property tax and insurance.
Revenue − modeled operating expenses
Cap rate
Measures operating yield before financing.
Annual NOI ÷ home price
Cash-on-cash return
Initial cash investment includes down payment plus modeled closing and furnishing costs.
Annual cash flow ÷ initial cash investment
Florida-specific considerations
What to consider before making a Florida decision
Short-term rental legality and economics are highly location-specific in Florida. A strong revenue estimate is not useful if the property cannot legally operate as planned.
Verify city, county, zoning and licensing requirements for short-term rentals.
Review HOA and community documents for minimum lease periods, guest restrictions and rental-program requirements.
Use location-specific occupancy and nightly-rate data and account for seasonality rather than assuming a constant year-round market.
Budget for higher utilities, frequent cleaning, furnishings, guest wear, management and replacement reserves than a typical long-term rental.
Frequently asked questions
Questions about this calculator
How is Airbnb revenue estimated?
Monthly revenue is estimated from nightly rate multiplied by the average number of nights in a month and the selected occupancy rate.
Does the calculator include management and platform fees?
Yes. Both can be entered as percentages of gross revenue.
Is occupancy guaranteed?
No. Occupancy changes with seasonality, competition, pricing and market demand.
Should I verify HOA and zoning rules?
Yes. Always confirm local regulations and community restrictions before purchasing a short-term rental property.
FLEXPRO Consulting
Want to turn the simulation into a property-specific analysis?
FLEXPRO can help organize assumptions, costs, location considerations and next steps for a more informed Florida real estate decision.