STR vs Long-Term Rental Yield Calculator — Airbnb Conversion Decision Tool — Regulation Risk Excel

Run the math when your city threatens an STR ban. STR vs LTR yield comparison for property owners deciding between Airbnb model + 12-month-lease model. All-in yield each way + hours of work + regulation-risk sensitivity. Excel + Google Sheets.

Your city just announced a 90-day registration cap. Or your HOA is finally
doing something about that one neighbor. Or you're burnt out, and "passive
LTR cash flow" sounds amazing.

Most hosts make this decision on vibes. The numbers actually go either way
depending on your specific property. STR has higher revenue but higher
costs. LTR has lower revenue but near-zero ops time. Plus — what's the
yield gap if regulation caps you to 60 nights/year instead of 365?

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WHAT'S INCLUDED
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📋 STR Side — ADR + occupancy + cleaning + supplies + OTA + management
📋 LTR Side — monthly rent + tenant turnover cost + repairs reserve
📋 Common Costs — mortgage, property tax, insurance, HOA (same in both)
📋 All-In Yield Each Way
📋 Hours-of-Work Comparison — STR ~3-8 hrs/week, LTR 0-1
📋 Regulation-Risk Sensitivity — what STR yield drops to under nights-cap or ban
📋 Recommended Path — which model wins on dollar yield AND hours

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WHEN LTR WINS
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· Strict STR regulations (occupancy caps, registration delays, outright bans)
· Markets where STR comp set is saturated
· Hosts hitting burnout — LTR's hands-off ROI matters more than peak revenue
· Properties in markets where LTR rents are surprisingly strong (university towns)

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WHO THIS IS FOR
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· Hosts in regulation-uncertain markets
· Owners considering converting STR → LTR (or vice versa)
· Investors evaluating which model fits a specific property
· Anyone who's wondered "would I make more just renting it long-term?"

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FILE COMPATIBILITY
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✅ Excel 2016+ · ✅ Excel 365 · ✅ Google Sheets

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REFUNDS
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14-day refund, no questions. hello [!at] thestrledger.com.

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⚠ Digital product. Market rents + STR yields are estimates — verify with local data.