STR cash-out refinance | STR Advisory Demo

Actual customer interfaceProperty & RatingSample data

Illustrative market image

Illustrative fictional rental-property detail

Opportunity score100/100

Excellent

Income, evidence, financing and readiness.

At a glance

Property and transaction

PurposeCash-out refinance

Rental strategyShort-term rental

TypeSingle-family

Bedrooms / baths5 / 4.0

Square feet / built2,380 / 2018

Operating evidence12+ months documented

Income evidence

Understand the income behind the rating.

Projected revenue$145,000

Average nightly rate$575

Occupancy69%

Booked nights252

Comparable rentals · review and select evidence

These fictional rentals illustrate how similar bedrooms, guest capacity, nightly rates and occupancy support an income assumption. Selecting a sample marks it for review; it does not recalculate or verify income.

IncludeCoastal group retreatMcHenry · 5 BR · sleeps 14

Revenue$133,400

ADR$541

Occupancy71%

IncludeUpdated family rentalMcHenry · 5 BR · sleeps 12

Revenue$150,800

ADR$621

Occupancy67%

IncludeAmenity-focused stayMcHenry · 5 BR · sleeps 14

Revenue$162,400

ADR$656

Occupancy66%

Income methodology and supporting evidence

Market projections are estimates, not documented operating history. A long-term rental uses lease income; a short-term rental may use projections or operating records as permitted by the lender. Comparable selection alone does not establish qualifying rent. Appraisal, rent schedules and lender review remain necessary.

The score combines income, evidence, financing and readiness. It is an educational screening indicator, not an approval.

Actual customer interfaceFinancing OptionsPreliminary

Refinance decision

What should this refinance accomplish?

Displayed DSCR minimum: 1.00xGross qualifying rent ÷ PITIA including HOA.

Retain more equity70.0% LTV

Estimated cash out: $207,900
Loan amount: $644,000
Estimated rate: 7.250%
PITIA + HOA: $5,577/mo
Actual DSCR: 2.17x
Rent needed: $5,577/mo
Retained equity: $276,000
Monthly cash flow: $2,278

Balanced refinance75.0% LTV

Estimated cash out: $252,750
Loan amount: $690,000
Estimated rate: 7.375%
PITIA + HOA: $5,949/mo
Actual DSCR: 2.03x
Rent needed: $5,949/mo
Retained equity: $230,000
Monthly cash flow: $1,905

Higher leverage80.0% LTV

Estimated cash out: $297,600
Loan amount: $736,000
Estimated rate: 7.625%
PITIA + HOA: $6,393/mo
Actual DSCR: 1.89x
Rent needed: $6,393/mo
Retained equity: $184,000
Monthly cash flow: $1,461

Rate and flexibility

Compare customer-facing tradeoffs.

Lowest preliminary rate6.875%

Points: 2.0
Prepayment: 5-year declining
Illustrative payment: $4,443/mo

Lower upfront cost7.375%

Points: 0.0
Prepayment: 5-year declining
Illustrative payment: $4,766/mo

Shorter prepayment period7.625%

Points: 0.0
Prepayment: 3-year declining
Illustrative payment: $4,928/mo

Financing methodology and assumptions

Displayed DSCR uses gross qualifying monthly rent divided by principal, interest, taxes, insurance and HOA. Monthly cash flow separately deducts the sample operating expense allowance and housing cost. Cash required and cash out are estimates; lender fees, appraisal and current eligibility require confirmation.

Rate tradeoffs are fictional illustrations, not live offers or rate locks. The illustrative payment is a simplified comparison, not a final amortization quote.

Actual customer interfaceDecision & Next StepsSample package

Your financing package

Review the decision and choose what happens next.

The balanced structure meets the displayed DSCR target.

Property score100/100 · Excellent

Income assumption$12,083/mo

Capital objectiveBalanced structure

Rate approachLower upfront cost

Concerns and ways to improve

Review appraisal, lender eligibility and current pricing before proceeding.

Application readiness