Property intelligence tool
Short-Term vs Long-Term Rental Comparison
Compare the same Panama property under two operating strategies. Test whether the potential short-term-rental revenue premium survives the additional vacancy, platform, management, cleaning, utility and replacement costs.
Step 1 · Shared property assumptions
Acquisition, financing and ownership costs
Step 2 · Strategy assumptions
Model each rental strategy
Short-term rental
Model nightly income, occupancy and the additional operating burden of furnished guest accommodation.
Long-term rental
Model contracted monthly rent, vacancy and the typically lighter operating structure of a residential tenancy.
Use comparable assumptions. Both strategies include the same HOA, insurance, property tax and financing. Income tax, appreciation and eventual sale proceeds are excluded.
Illustrative annual comparison
Which strategy looks stronger under your assumptions?
Swipe to compare all results →
| Metric | Short-term rental | Long-term rental | Difference |
|---|---|---|---|
| Revenue at full occupancy of available nights | — | — | — |
| Effective gross revenue | — | — | — |
| Effective gross yield on total project cost | — | — | — |
| Annual non-principal-residence property tax | — | — | — |
| Operating expenses before reserve | — | — | — |
| NOI before reserve | — | — | — |
| Cap rate on purchase price | — | — | — |
| Adjusted net yield on total project cost | — | — | — |
| Annual debt service | — | — | — |
| Cash flow before income tax | — | — | — |
| Cash-on-cash return | — | — | — |
| Break-even occupancy | — | — | — |
Modeled STR cash-flow advantage
Decision interpretation
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