Build the scenario.
Keep the assumptions yours.

This calculator uses only the values you enter. When opened from a live listing, JET prefills the address, list price, and available tax or HOA facts; rental performance assumptions remain blank.

Start with a live property or build a blank scenario.

Choose a listing to bring in approved MLS facts, or continue below and enter every value yourself.

Choose a Smokies cabin or condo

JET Investor Calculator

Test the assumptions you choose.

Most assumptions start blank. Revenue inputs are marked required; owner use starts at 0 nights and seasonality starts at 100% with no adjustment. Enter your own values to build a planning scenario; placeholders never enter the math.

Build my scenario

MLS fact Your assumption

Purchase

Purchase price

total

Not provided by MLS; enter an amount.

Revenue

Complete the fields marked required to calculate rental revenue.

Average nightly rate (required)

per night

Your editable planning assumption.

Occupancy (required)

The share of rentable nights you expect to book.

Available nights (required)

per year

Use 365 when the property can be rented year-round.

Owner-use nights (required)

per year

Starts at 0. Enter nights you plan to keep for personal use.

Seasonality factor (required)

100% means no seasonality adjustment; lower or higher values adjust annual revenue.

Financing

Down payment

Interest rate

Expenses

Property management

% of lodging

Property taxes

per year

Not provided by MLS; unknown until entered.

Insurance

per year

Unknown until entered.

HOA / association

per year

Not provided or not convertible from MLS.

Switch to Advanced for cleaning, detailed operating costs, improvements, reserves, loan term, and scenario controls.

base scenario

Projected annual rental revenue

Enter nightly rate, occupancy, available nights, owner use, and seasonality to estimate revenue.

Based on your current scenario assumptions

NOI before financing

Add revenue and expense assumptions to calculate NOI.

Estimated monthly cash flow

Enter purchase price and financing assumptions to estimate monthly cash flow.

Cap rate

Open Advanced to complete the acquisition-basis assumptions.

Add: purchase price, nightly rate, occupancy, available nights, down payment, interest rate, loan term.

Not treated as zero: utilities, internet, supplies, property taxes, insurance, HOA or association fees, licenses or permits, pest, lawn, or pool service, other recurring expenses, platform or booking fees, property management, repairs and maintenance, replacement or capital reserve.

Compare the range

conservative

Gross revenue

NOI

Cash flow

base

Gross revenue

NOI

Cash flow

optimistic

Gross revenue

NOI

Cash flow

Show formulas and exact basis

Acquisition basis: purchase price + closing costs + initial furnishing/improvements = Not calculated—add purchase price, closing costs, furnishing/improvements. Financing is excluded from cap rate.

Total cash invested: down payment + closing costs + initial furnishing/improvements = Not calculated—add purchase price, closing costs, furnishing/improvements, down payment.

NOI: annual guest revenue minus operating expenses, before financing and income taxes.

Cap rate: stabilized annual NOI / acquisition basis.

Cash-on-cash return: before-tax annual cash flow / total cash invested.

DSCR: NOI / annual debt service. It is not applicable when debt service is zero.

Break-even: the occupancy or ADR needed for known operating expenses plus annual debt service. Annual revenue override disables these two reverse calculations.

Simple payback: appears when cash flow is positive and total cash invested is known.

Cleaning-fee treatment and owner-blocked nights can materially change results. This is an editable planning estimate, not a guarantee of tax benefits, appreciation, value, zoning, short-term-rental eligibility, revenue, occupancy, financing, or return. Confirm property rules, permits, coverage, costs, and financing with the appropriate professionals.

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Overnight-rental scenario report

Prepared
Prepared timestamp unavailable

Manual overnight-rental scenario

No MLS listing attached · Base scenario selected

No listing is attached. Every financial and operating value below is an editable assumption entered in the calculator.

Base scenario snapshot

Projected annual rental revenueNot calculated

Total operating expensesNot calculatedKnown inputs only

NOI before financingNot calculated

Annual debt serviceNot calculated

Annual cash flow before taxNot calculated

Estimated monthly cash flowNot calculatedBefore income tax

Cap rateNot calculated

Cash-on-cash returnNot calculated

DSCRNot calculated

Break-even occupancyNot calculated

Break-even nightly rateNot calculated

Simple paybackNot calculated

Expense ratioNot calculated

Scenario comparison

Scenario	Revenue input	Occupancy	Gross revenue	Known expenses	NOI	Debt service	Cash flow
Conservative	Not entered nightly rate	Not entered	Not calculated	Not calculated	Not calculated	Not calculated	Not calculated
Base	Not entered nightly rate	Not entered	Not calculated	Not calculated	Not calculated	Not calculated	Not calculated
Optimistic	Not entered nightly rate	Not entered	Not calculated	Not calculated	Not calculated	Not calculated	Not calculated

Review before relying on this scenario

Inputs that still need attention

Required inputs: Still needed for one or more calculations: purchase price, nightly rate, occupancy, available nights, down payment, interest rate, loan term.

Unknown expenses: Not treated as zero: utilities, internet, supplies, property taxes, insurance, HOA or association fees, licenses or permits, pest, lawn, or pool service, other recurring expenses, platform or booking fees, property management, repairs and maintenance, replacement or capital reserve.

Calculation basis

NOI is annual guest revenue minus operating expenses, before financing and income taxes.

Cap rate is stabilized annual NOI divided by acquisition basis. Financing is excluded.

Cash-on-cash return is before-tax annual cash flow divided by total cash invested.

Scenario comparisons use the same calculator formulas; only the displayed scenario adjustments change.

Your base assumptions

Purchase and financing

Purchase price: Not entered
Closing costs: Not entered
Furnishing and improvements: Not entered
Down payment: Not entered
Interest rate: Not entered
Loan term: Not entered

Revenue and availability

Average nightly rate: Not entered
Occupancy: Not entered
Available nights: Not entered
Owner-use nights: 0 nights per year
Seasonality factor: 100%
Annual lodging-revenue override: Not enteredReplaces nightly-rate revenue math when entered
Average stay: Not entered
Cleaning treatment: Cleaning income and expense excluded
Cleaning income: Not enteredPer stay
Cleaning expense: Not enteredPer stay

Operating expenses

Platform / booking fees: Not entered
Property management: Not entered
Repairs and maintenance: Not entered
Replacement / capital reserve: Not entered
Utilities: Not enteredPer year
Internet: Not enteredPer year
Guest supplies: Not enteredPer year
Property taxes: Not enteredPer year
Insurance: Not enteredPer year
HOA / association: Not enteredPer year
Licenses and permits: Not enteredPer year
Pest, lawn, and pool service: Not enteredPer year
Other recurring expenses: Not enteredPer year