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Mid-Term Rental Calculator
MTR splits the difference between long-term and Airbnb. 30-180 day stays, furnished, utilities bundled — premium of 40-60% over long-term rent with less management than nightly Airbnb. This calculator sizes the cash flow and furnishing payback.
typically 40-60%
Target monthly rent
$3,045
Annual gross rent
$32,886
Annual net cash flow
$2,736
Net advantage vs LTR
$4,596
Furnishing payback (yrs)
2.6
How the math works
Mid-term rentals (30–180 days, furnished, utilities included) serve traveling nurses, corporate relocations, insurance displacement guests, and digital nomads. Premium over LTR is typically 40–60%, with much lower turnover than short-term Airbnb and less regulatory risk.
Best near hospitals, military bases, and large employers. List on Furnished Finder, Airbnb (30+ day), and corporate housing platforms. Lower nightly management than STR but tenant expectations are still above LTR.
How to Use
- Enter the long-term unfurnished rent benchmark for the property.
- Apply mid-term premium — typically 40-60%.
- Enter furnishing investment — usually $8,000–$18,000 for a 2-bed unit.
- Enter bundled utilities (tenants expect everything included).
- Enter expected turnovers/year and cleaning cost per turnover.
Frequently Asked Questions
Where do MTR tenants come from?
Three main sources: traveling healthcare workers (near hospitals), corporate relocations (near large employers), and insurance displacement (after a house fire or flood). All pay premium rates for predictable 30-90 day stays.
Is MTR better than Airbnb?
Different tradeoffs. MTR has steadier income, less management, and fewer regulatory issues. Airbnb can earn more per night in tourist markets. MTR wins in markets without strong tourism; Airbnb wins in vacation destinations.
How much should I spend on furnishing?
$4,000–$6,000 per bedroom for a quality mid-tier setup. Tenants expect working essentials: beds, seating, kitchen, TV, desk. Don't over-furnish with decor or custom items — they break or disappear.
What about regulations?
Most MTR jurisdictions don't regulate 30+ day stays — which is why the 30-day minimum is the protective default. Below 30 days triggers short-term rental rules (permits, hotel tax, caps) in many cities.
Related Calculators
Short-Term Rental Calculator
Nightly Airbnb-style rental.
STR vs LTR Calculator
Choose between short-term and long-term rental.
Furnished Rental Calculator
General furnished rental pricing.
Cleaning Fee Calculator
Price the turnover cleaning fee.
Rental Property Calculator
Full rental deal analysis.
Room Rental Calculator
Per-room rental alternative.
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