STR income is a range, not a number. This calculator runs your average daily rate and occupancy through realistic operating loads — and shows the long-term-rental comparison, because the honest question is not "does it cash flow" but "does it beat the boring option." Tuned for Cincinnati, OH: the rent defaults below start at the metro's real FY2025 HUD Fair Market Rent — edit anything to match your deal.
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Official HUD Fair Market Rents for the Cincinnati, OH-KY-IN HUD Metro FMR Area. Use these as a sanity check against any listing's rent claims — if a pro-forma assumes rents far above these, ask why.
| Studio | 1 BR | 2 BR | 3 BR | 4 BR |
|---|---|---|---|---|
| $883/mo | $993/mo | $1,287/mo | $1,707/mo | $1,885/mo |
Source: U.S. Department of Housing & Urban Development, FY2025 Fair Market Rents. FMRs are gross-rent estimates at the 40th percentile — solid floor benchmarks; well-located or renovated properties often rent above them.
A calculator answers one strategy with the numbers you type. The AgenticREI analyzer answers all six — buy & hold, rent-by-room, fix & flip, wholesale, STR, and BRRRR — from just an address in Cincinnati or anywhere else. It pulls the property records and market rents itself, flags where the listing's claims disagree with the data, and gives you a straight BUY, NEGOTIATE, or PASS.
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