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5371 Lonesome Dove Dr, Kissimmee, FL 34746
Priced too high to cash-flow with a loan — an equity or tax play, not income.
Investment potential
Your scenario · adjust the levers below or open advanced settings to see how returns change
$43,022
$3,585/mo · at 71% occupancy & $218/night
-$8,959
-$747/mo after costs & mortgage
Cap rate
4.2%
Cash-on-cash
-6%
DSCR
0.70
Confidence
Your assumptions
Revenue
$43,022/yr
Market avg: $43,022/yr · 71% occ · $218 ADR
Financing
$29,939/yr
Operating costs
$22,043/yr
How this property compares to similar short-term rentals nearby.
Comparable set · 50 properties
$151–$406
Median $218
46%–91%
Median 71%
$23.8K–$105.6K
Median $41.9K
182–365
Median 298
This property · $43.0K
Comparable properties (50)
Cash flow potential Low · Appreciation potential Medium
346 days available · 273 days booked ·
273 days available · 179 days booked ·
337 days available · 266 days booked ·
342 days available · 281 days booked ·
341 days available · 254 days booked ·
364 days available · 266 days booked ·
332 days available · 258 days booked ·
307 days available · 209 days booked ·
320 days available · 248 days booked ·
305 days available · 225 days booked ·
365 days available · 280 days booked ·
337 days available · 190 days booked ·
331 days available · 229 days booked ·
248 days available · 190 days booked ·
308 days available · 214 days booked ·
264 days available · 181 days booked ·
329 days available · 243 days booked ·
258 days available · 204 days booked ·
314 days available · 259 days booked ·
276 days available · 185 days booked ·
332 days available · 242 days booked ·
237 days available · 215 days booked ·
271 days available · 193 days booked ·
295 days available · 249 days booked ·
248 days available · 196 days booked ·
315 days available · 212 days booked ·
312 days available · 175 days booked ·
261 days available · 138 days booked ·
324 days available · 218 days booked ·
304 days available · 214 days booked ·
309 days available · 177 days booked ·
274 days available · 178 days booked ·
262 days available · 163 days booked ·
258 days available · 170 days booked ·
269 days available · 206 days booked ·
274 days available · 187 days booked ·
301 days available · 177 days booked ·
273 days available · 227 days booked ·
339 days available · 232 days booked ·
278 days available · 179 days booked ·
263 days available · 172 days booked ·
304 days available · 179 days booked ·
256 days available · 136 days booked ·
252 days available · 168 days booked ·
267 days available · 138 days booked ·
304 days available · 158 days booked ·
284 days available · 145 days booked ·
222 days available · 127 days booked ·
218 days available · 129 days booked ·
182 days available · 112 days booked ·
Revenue and occupancy reflect Chalet's modeled estimates from observed booking activity for comparable active listings. Individual results vary with management, seasonality, and pricing.
Who this property is for
The same property is a great buy for one investor and a trap for another. Here's the honest read.
1031 / high-equity buyer
~$123.5K
Year-1 tax shield
Buying with cash or low leverage removes the debt-coverage problem entirely, so the thesis rests on appreciation plus a large first-year write-off. At roughly 25% of purchase price, the shield is substantial enough to carry the deal on its own.
Price-disciplined buyer
$350.4K
Break-even purchase price
Break-even is ~30% below the Zestimate, a discount sellers in Kissimmee rarely accept. Treat the number as a walk-away line rather than an opening offer.
DSCR cash-flow buyer
0.70
DSCR at asking
At asking price the property doesn't cover its own debt service, so it won't qualify for DSCR financing as modeled. If you need cash flow from day one, look at a mid-term-rental fallback or a different Kissimmee submarket.
For a buyer who materially participates and qualifies for the STR tax treatment.
$123.5K
Estimated first-year deduction · range $102.5K–$140.8K
Why this matters here
At a marginal bracket, this deduction can be worth $37.9K–$52.1K in estimated federal tax saved.
This only applies if you meet the IRS material-participation tests for short-term rentals and are not using a full-service property manager.
Estimate, subject to CPA review. Cost-segregation percentages shown here are illustrative and depend on an actual study of the property.
Some states do not conform to federal bonus depreciation, so your state may not allow the same first-year treatment shown above.
Chalet can introduce a cost-segregation partner — this is not tax, legal, or financial advice.
How cash-on-cash return moves with purchase price. The marked line is break-even (1.0 DSCR).
At this price: cash-on-cash -6.0%, DSCR 0.70, cash flow -$8,959/yr
| Price vs asking | Price | Cash-on-cash | DSCR | Band |
|---|---|---|---|---|
| -25% | $375,000 | -1.3% | 0.93 | Below break-even |
| -22% | $390,000 | -2.0% | 0.90 | Below break-even |
| -15% | $425,000 | -3.4% | 0.82 | Below break-even |
| -8% | $460,000 | -4.7% | 0.76 | Below break-even |
| Asking | $500,000 | -6.0% | 0.70 | Below break-even |
| +8% | $540,000 | -7.1% | 0.65 | Below break-even |
| +15% | $575,000 | -7.9% | 0.61 | Below break-even |
Break-even price
$350,369
~30% under Zestimate. Where this property reaches 1.0 DSCR and neutral cash flow.
Discount needed
−$149,631
The gap between asking and the price a cash-flow buyer can underwrite.
If refi to 5.5% in 24 mo
+$4,388/yr
Illustrative cash-flow improvement at asking price if rates fall. Planning figure, not a forecast.
Annual avg $3,585 · peaks at $4,550 in Dec
Annual avg 69% · peaks at 79% in Feb
−$747/mo after all expenses
Cash to close
Down payment, closing costs, and furnishing
$145,000
Return on cash:11.1%
DSCR below 1.0 — but you can still qualify
Your DSCR is 0.7 · lenders typically require 1.0+.
Get matched with 2–3 vetted STR lenders, free.
What the deal returns over the hold — including the tax shield, which is the whole point for an appreciation buyer.
Levered IRR
13.3%
over 5-yr hold, with tax shield
Equity multiple
1.8×
total proceeds vs. $145,000 invested
Projected value at exit
$638,141
year 5 · 5.0% annual appreciation
Tax shield contribution
+6.4 pts
of IRR comes from year-1 depreciation
| Year | Equity | Appreciation | Cumulative cash flow | Total value |
|---|---|---|---|---|
| Year 1 | $128,809 | $25,000 | $36,736 | $190,545 |
| Year 2 | $132,894 | $51,250 | $28,422 | $212,566 |
| Year 3 | $137,274 | $78,813 | $20,764 | $236,850 |
| Year 4 | $141,970 | $107,753 | $13,770 | $263,493 |
| Year 5 | $147,007 | $138,141 | $7,451 | $292,598 |
Projection, not a promise.
Assumes 5.0% annual appreciation, 1.5% rent growth (operating costs held flat), and that the property qualifies for short-term-rental tax treatment. The year-1 depreciation shield depends on a real cost-segregation study and your tax situation — consult a CPA.
Appreciation is the dominant driver of this return. When cash flow is negative, the deal depends on the property gaining value — it is not paying for itself from income.
Appreciation, rent growth, and financing rates are editable under Edit financials.
STR deals turn on local rules and demand that a generalist agent misses. Chalet matches you with a vetted Kissimmee agent who knows which properties actually cash flow — and which to avoid.
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Real Estate Investment Analysis & Market Insights
Disclaimer. This page and the data presented are for informational purposes only. The information provided should not be construed as financial, legal, or investment advice. Market conditions can change rapidly, and past performance does not guarantee future results. Always consult with qualified professionals before making investment decisions.