STR Analyzer
STR economics are wildly different from long-term rentals — and Florida cities are aggressively regulating them. Run the math AND verify the local rules before you buy.
Market preset
Disney-area STR communities (Storey Lake, Solara, Encore) have HOAs that explicitly allow nightly. Bookings driven by theme-park traffic.
Acquisition
Disney 5/4 typically $30–50K turnkey.
Revenue assumptions
Disney-area mean: 55–70%. Beach: 65–80%.
Operating costs
Co-host/full-service. 0 if self-managing.
STR insurance ~1.5–2× regular landlord.
Have a property in mind?
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Why STR insurance is 1.5–2× landlord
Higher turnover, more wear, transient occupants. Standard landlord policies often deny claims when they discover STR use. Get a real STR quote.
Occupancy is the variable
A 5% occupancy difference in Disney-area can swing $15K/yr. Use AirDNA + Mashvisor + actual host data, not the listing-platform calculator.
The HOA letter rule
Before you close in an STR community, get a written letter from the HOA confirming nightly rentals are allowed. Verbal "yes" is worth nothing.
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