Beach Condo Cash-Flow Calculator
Run the numbers on a beach condo before you ever call me. Enter what you know, and I'll show you your estimated monthly cash flow, cap rate, and cash-on-cash return. This is a planning tool, not a guarantee. Real numbers depend on verified rental history, dues, insurance, and taxes. Let's keep it real.
Monthly cash flow
Estimated rent minus every expense and your mortgage payment.
Cap rate
Net operating income divided by the purchase price.
Cash-on-cash return
Annual cash flow on the cash you actually put in.
Every field is editable and updates the estimate instantly. The defaults are starting points for a typical beach condo on the Gulf Coast, not quotes. Adjust each number to match the property you are looking at, then I will help you verify the real ones before you commit.
Enter your numbers
Purchase & Financing
Expected Rent
Short-term rentals work differently from long-term. Fill in whichever matches how you plan to rent the condo. If both are filled, short-term is used.
Beach STRs typically run 120 to 160 occupied nights a year. Use a realistic number.
Monthly & Annual Expenses
Taxes and insurance are annual. HOA dues, maintenance, and utilities are monthly. Management and vacancy are a percentage of rent. This is where the beach tax shows up.
Cash Invested
Total cash invested is your down payment plus estimated closing costs. That is the number your cash-on-cash return is measured against.
Your results live here
Fill in your numbers, then hit the button. I'll show you your estimated monthly cash flow, cap rate, and cash-on-cash return.
This is an estimate for planning purposes, not a guarantee.
Get your results
Enter your details and I'll show you your numbers, plus the honest things to verify before you buy.
Your Estimated Cash Flow
Updates live as you adjust your numbers on the left.
- Monthly mortgage (P&I)
- Gross annual rent
- Total annual expenses
- Net operating income
Annual & monthly cash flow
Expense Breakdown (annual)
- Property taxes
- Insurance
- HOA / condo dues
- Property management
- Maintenance & repairs
- Vacancy allowance
- Utilities, cleaning & booking
- Other monthly costs
Mortgage payment is principal and interest only. Taxes, insurance, and HOA dues are counted in the expenses above. This is an estimate for planning purposes. Verify current dues, taxes, insurance, assessments, and verified rental history before making any decision.
Keep it real: beach condo returns depend on occupancy and short-term rental performance. Some months are strong and some are slow, and a good rental year takes real work. If the numbers are close, that is exactly when you want to check verified rental history before you commit.
This tool tells you the range. I'll get you the real numbers.
A calculator runs on assumptions. When you find a condo you like, the actual answer comes from verified rental history, the current HOA dues and reserves, insurance quotes, tax records, and any upcoming assessments. That is the part I can pull for you before you make an offer.
No pressure and no obligation. You can run every scenario you want here, then we check the real ones together. See y'all at the beach.
Ready to check a real condo?
I know every complex on the coast, the real rental numbers, and the hidden costs. Let me pull verified rental history and current dues for the property you're serious about.
