The revenue ribbon
The deal has to survive February — not just July.
Set your nightly rate and occupancy — scroll over the fields. Months under the lemon line don't cover the payment. Underwrite from the trough month, not the peak, and the slow season won't be the surprise.
The listing
Seasonality models a summer-peak market. Real underwriting uses your market's AirDNA history.
Breaks in the off-season
0.80xWorst month (Jan) brings $2,202 against a $2,750 payment. 3 months fall short — lower the loan, or size it to the months that do clear.
$3,404
avg month
$4,760
peak month
1.24x
annual DSCR
Where the trough falls
February is not everyone’s slow month.
The model above assumes a summer-peak market. Underwriting from the trough is the right instinct — but which month that is depends on what you own, and getting it backwards flatters the file.
Summer-peak cabin
Warm-season demand, quiet winter. This is the shape the calculator above models, so its trough and yours line up.
Ski chalet
The curve inverts. The deep months are the ones a summer model treats as peak, so underwrite the off-season it calls busy.
Warm-climate bungalow
Flatter demand across the year with a weather-driven dip. The trough is shallower, but it is still the month that has to clear.
Shapes shown for orientation, not as market data. Real underwriting uses the property’s own platform history for the market it sits in.
STR income, underwritten honestly.
Real ADR × occupancy
Market data, not a host's best week. The number is the one a lender will actually fund.
Seasonally stress-tested
We check the trough month and a rate rise before you commit — no off-season surprise.
Long-term fallback
If the STR number is thin, the long-term lease can carry the file instead — the engine models both and shows you which is stronger.