Disclaimer

Not tax, legal, or investment advice

RentalPropertyAnalyze is an underwriting and tax-modeling tool. The calculations, projections, and outputs it produces — including but not limited to cap rate, cash-on-cash return, DSCR, depreciation estimates, projected first-year tax savings under the Short-Term Rental Loophole, and bonus-depreciation figures under the One Big Beautiful Bill Act (OBBBA) — are informational only and do not constitute tax, legal, accounting, or investment advice.

Consult a licensed CPA, tax attorney, or registered investment advisor before acting on anything you see here. Tax outcomes depend on facts and circumstances that this tool cannot independently verify.

Material participation is your responsibility

The Short-Term Rental Loophole requires the taxpayer to materially participate in the activity under IRC §469 and Treas. Reg. §1.469-5T. Whether you meet a material participation test (e.g., 100 hours and more than any other individual, 500 hours, substantially all participation) is a fact-specific determination based on time logs, the role of co-hosts, cleaners, and property managers, and other rules.

When the calculator asks you to attest that you will materially participate, it does so to surface the assumption — not to make a legal determination. Misattesting can result in disallowed losses, back taxes, interest, and penalties.

Property data accuracy

Property records (estimated value, last sale price, square footage, property tax, HOA, rent comps, ADR/occupancy estimates) come from third-party data providers, including RentCast. We do not warrant the accuracy, completeness, or timeliness of this data. Verify everything independently — pulled tax records, MLS comps, and on-the-ground inspection — before purchasing any property.

Forward-looking projections

Projected revenue, expenses, appreciation, and exit values are estimates based on the assumptions you enter. Actual results will differ — often materially — due to interest-rate movements, local regulation changes (including STR bans and licensing caps), market softness, vacancy, repairs, insurance volatility, and operator performance.

No agency or fiduciary relationship

Use of this tool does not create a CPA-client, attorney-client, broker-client, or fiduciary relationship between you and RentalPropertyAnalyze or its operators.