Finance category
Mortgage, loan, investing, tax, and money calculators.
Short Term Furnished Premium Calculator
Short-term furnished commands premium vs long-term.
Net premium vs standard
$422
Effective monthly rent
$2,822
Annualized uplift
$5,064
How the math works
Gross = standard × (1 + premium). Effective = gross × occupancy − furnishing. Net premium = effective − standard.
$2,400 × 160% × 80% − $250 = $2,822 effective. vs $2,400 = $422/mo premium = $5k/yr uplift.
How to Use
- Enter standard monthly rent.
- Enter furnished premium %.
- Enter occupancy %.
- Enter furnishing cost amortized/mo.
- Read net premium.
Frequently Asked Questions
Typical premium?
Corporate housing: 40-80% premium over unfurnished. Short-term rental (3-6 months): 50-100%. STR/vacation: 2-4x (daily rates). Minus: vacancy, turnover costs, furnishings, cleaning, management fees.
Breakeven?
Corporate housing: 70%+ occupancy breakeven vs standard. STR vacation: 50%+ breakeven depending on premium. Break-even analysis varies by market — tourist city different from relocation market.
Risks?
Vacancy between stays. Furnishings damage/replacement. Legal restrictions (STR bans in many cities). Management overhead. Tax differences (unlike long-term lease). Match strategy to property location and market type.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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