60-Second Rental & Airbnb True Cashflow Calculator

Compare a 12-month lease against Airbnb net cashflow after mortgage, taxes, vacancy, CapEx sinking funds, utilities, Wi-Fi, and 3% host fees.

Strategy Comparison Mode

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30-Yr Fixed

Purchase Price$320,000

Down Payment (%)$64,000 down

Interest Rate (%)6.50%

Gross Inputs

Long-Term Monthly Rent$2,650/mo

Airbnb Nightly Rate$185/nt

Occupancy (%)64% (19.5 nts)

Airbnb Utilities, Wi-Fi & Host Load

True Drag

Property Tax ($/yr)

Landlord Insurance ($/yr)

Monthly HOA ($/mo)

Vacancy & Repairs/CapEx Sinking Reserve

Side-by-Side Winner: AirbnbAirbnb +$799/mo

+$773/mo

Cash-on-Cash12.6%

Cap Rate9.0%

Cash to Close$73,600

12-Mo Lease Net-$26/mo

Airbnb True Net+$773/mo

Airbnb gross $3,604/mo minus $848/mo utilities, Wi-Fi, 3% host fee, restock & CapEx wear.

Works in Excel, Free Google Sheets & Printable US Letter PDFs

5-Tab Cashflow & Schedule E Workbook: Compares 12-mo lease vs. seasonal Airbnb + auto-totals all 13 IRS Schedule E tax lines.
Tenant Screening & Red-Flags PDF: 3-page previous-landlord script, 3x income check & 10 lease traps.
Superhost 60-Min Turnover PDF: Room-by-room cleaner reset & guest restock par-level checklist.