STR vs LTR calculator — Oregon
Oregon investors weigh West Coast regulation and rent-policy headlines against local fundamentals. Default rent inputs are drawn from HUD FMR data—enter the rent path you believe is achievable under real rules. 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 $2,077 · Purchase $300,000
STR cash flow
$1,152
LTR cash flow
-$925
STR DSCR
1.72
LTR DSCR
0.42
STR assumptions
LTR assumptions
Results
Δ Cash flow
$2,077
Δ NOI/yr
$24,921
STR CF
$1,152
LTR CF
-$925
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)
$2,077
Δ NOI (annual, STR − LTR)
$24,921
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
$1,473
Monthly cash flow
-$925
NOI (annual)
$8,070
Cap rate
2.69%
DSCR
0.42
Below 1.0 is tight
Cash-on-cash
-18.49%
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 Oregon
Real estate investing in Oregon
Portland-area and smaller markets differ materially. Insurance and tax details should be local to the parcel.
- Typical 2BR rent
- ~$1,550/mo
- Effective property tax
- ~1.01% of home value
- State income tax
- Up to 9.9%
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for Oregon: BRRRR Calculator · Fix and Flip Calculator. All calculators · Investment property calculator