What the analyzer checks
Revenue quality
Compare ADR, occupancy, seasonality, and personal-use days so one heroic Saturday rate does not carry the whole fantasy.
Expense realism
Layer management, cleaning, utilities, HOA, insurance, maintenance, licensing, and inflation into one operating stack.
Financing drag
See how down payment, interest rate, loan term, and closing costs change actual cash-on-cash return.
Exit pressure
Review appreciation, taxes, depreciation recapture, and long-term value assumptions before declaring victory.
How to use it well
- Start with conservative ADR and occupancy, then run the pretty version after the ugly version survives.
- Separate fixed costs from variable costs so break-even occupancy tells the truth.
- Use the rent-vs-own comparison when a lifestyle purchase is trying to wear an investment costume.
- Save multiple scenarios when comparing markets, lenders, operators, or management structures.