Underwrite the coastal income.

Whole-property equity model for a short-stay rental. All financial inputs are illustrative, editable assumptions — every output is modelled and pre-tax.

Beachfront · rental case

Assumed

USD-equivalent at acquisition. Geography and frontage do not automatically set financial inputs.

Purchase price ($)Average nightly rate ($)Occupancy of available nights (%)Percentage of nights remaining after owner use and closures.Owner-use nights / yearHolding period (years)

Operating costs

Management + booking fees (%)Combined variable management and channel costs as a share of gross rent.Insurance / year ($)Property tax / year ($)Routine maintenance / year ($)Utilities, HOA & other / year ($)Utilities, association dues and unrecovered guest-turnover costs.Vehicle administration / year ($)Annual capital renewal (% revenue)Annual capital renewal is cash spent, not a returned reserve.

Acquisition & financing

Acquisition costs (%)Initial refurbishment ($)Ring-fenced cash reserve ($)Held without interest and returned at exit; deficits require new equity.Loan to value (%)Debt interest rate (%)Amortization term (years)Equal annual debt payments; simplified annual amortization.

Growth, currency & exit

Nightly-rate growth / year (%)Operating-cost inflation (%)Insurance-cost inflation (%)Property appreciation / year (%)Selling costs (%)Terminal valuation discount (%)Required return (%)Annual FX movement vs USD (%)Compounded currency change on operating cash, debt and exit proceeds.

One-off coastal disruption

Disruption yearClosure nights in disruption yearAdditional unavailable nights in the event year, after owner nights.Net uninsured repair cost ($)Repair cash payable after insurance recovery. No automatic payout assumed.

Equity IRR

2.6%

Annual cash flows · pre-tax

Equity multiple

1.28×

Receipts / all contributions

NPV at 9%

-$394,723

USD investor perspective

Income and asset value

Modelled

Equity NAV + cumulative cashEquity NAV

NAV includes the ring-fenced reserve and subtracts debt. Lines exclude sale costs and terminal discount; the return metrics include both. Cash is distributed, not reinvested.

Initial equity

$877,000

Including costs and reserve

Year 1 cash yield

0.3%

Cash-on-cash

Year 1 DSCR

1.19×

NOI / debt service

Year 1 gross rent$125,483

Year 1 net operating income$46,876

NOI / purchase price3.9%

Year 1 sold nights228.2 / 351

Normal-year break-even occupancy63.2%

Net profit / loss over hold$249,375

Annual cash-flow schedule

Year	Gross rent	NOI	Debt service	Net cash	Net exit
0	—	—	—	-$877,000	—
1	$125,483	$46,876	$39,351	$2,506	—
2	$128,620	$47,253	$39,351	$2,757	—
3	$131,835	$47,597	$39,351	$2,972	—
4	$135,131	$47,904	$39,351	$3,147	—
5	$138,509	$48,171	$39,351	$3,279	—
6	$141,972	$48,394	$39,351	$3,364	—
7	$145,521	$48,569	$39,351	$3,398	—
8	$149,159	$48,693	$39,351	$3,376	—
9	$152,888	$48,760	$39,351	$3,294	—
10	$156,710	$48,766	$39,351	$3,146	$1,095,135

Net cash = NOI − capital renewal − debt service − uninsured event repairs. The CSV holds the full breakdown. Income and capital-gains taxes excluded; property tax included.

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