STR vs LTR calculator — Missouri
Missouri mixes major metros with smaller cash-flow towns. Default rent inputs reflect HUD FMR data—the same price can imply different risk, so use ranges on rent and capex rather than a single point estimate. Same math as the national STR vs LTR calculator; numbers are educational—not lender instructions.
Calculator
STR vs LTR
Compare operating scenarios on the same financing. Adjust occupancy, fees, and rent to see cash flow and coverage.
Δ cash flow $2,552 · Purchase $300,000
STR cash flow
$1,152
LTR cash flow
-$1,400
STR DSCR
1.72
LTR DSCR
0.12
STR assumptions
LTR assumptions
Results
Δ Cash flow
$2,552
Δ NOI/yr
$30,621
STR CF
$1,152
LTR CF
-$1,400
STR vs LTR calculator
Compare short-term (nightly) and long-term rent on the same property. STR uses annual occupancy and platform fees; LTR uses contract rent and vacancy. Shared mortgage and purchase price apply to both—numbers are illustrative.
Short-term (STR)
Long-term (LTR)
Shared
Comparison
Δ Monthly cash flow (STR − LTR)
$2,552
Δ NOI (annual, STR − LTR)
$30,621
Short-term (STR)
Effective monthly income
$3,549
Monthly cash flow
$1,152
NOI (annual)
$32,991
Cap rate
11.00%
DSCR
1.72
Above 1.0 covers debt
Cash-on-cash
23.05%
Long-term (LTR)
Effective monthly rent
$998
Monthly cash flow
-$1,400
NOI (annual)
$2,370
Cap rate
0.79%
DSCR
0.12
Below 1.0 is tight
Cash-on-cash
-27.99%
STR gross bookings = nights booked × nightly rate (nights = 365 × occupancy %). Net of platform fees = gross × (1 − fee %). LTR uses contract rent with vacancy. Loan balance = purchase × (1 − down %).
Frequently asked questions
- How do STR platform fees affect returns?
- Platform fees reduce gross booking revenue before operating expenses. This calculator applies your fee percentage to gross nightly revenue after occupancy.
- What occupancy makes short-term rental worth it vs long-term?
- It depends on nightly rate, fees, and expenses. Raise occupancy or nightly rate until STR cash flow and NOI beat your long-term rent scenario on the same financing.
Real estate investing in Missouri
Real estate investing in Missouri
Tornado and hail insurance can swing year to year. Refresh expense assumptions when carriers change deductibles or premiums.
- Typical 2BR rent
- ~$1,050/mo
- Effective property tax
- ~1.01% of home value
- State income tax
- Up to 4.95%
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for Missouri: BRRRR Calculator · Fix and Flip Calculator. All calculators · Investment property calculator