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STR Furnishing Payback Calculator
Quality furnishings drive premium pricing in STR market.
Payback months
29.2
Annual premium
$14,400
Premium %
0.40%
How the math works
Premium = rate diff × nights. Payback = investment / premium × 12.
$60 × 240 = $14.4k premium/yr. $35k / $14.4k × 12 = 29 months payback.
How to Use
- Enter furnishing investment.
- Enter baseline nightly rate.
- Enter premium after furnishing.
- Enter annual occupied nights.
- Read payback months.
Frequently Asked Questions
Furnishing budget?
Basic STR: $5-15k. Mid-tier: $15-35k. Luxury: $35-75k+. Quality differential matters — Instagram-ready finishes drive 20-40% premium. Amazon furniture acceptable; designer furniture commands true premium.
Key investments?
Mattresses: $500-1500/bed (critical). Kitchen equipment: $1000-3000. Bedding/linens: $500-1500. TVs/tech: $500-2000. Decor: $2000-10000. Outdoor furniture: $1500-5000. Professional photography: $500-1500.
Depreciation?
5-7 year useful life typical. High-turnover destroys items. Replace bedding annually. Replace soft furnishings every 3-5 years. Hardcase items (dishes, furniture frame): 5-10 years. Budget annually for refresh.
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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