Serviced accommodation returns.

Serviced accommodation (SA) means short-stay rentals via Airbnb/Booking.com - higher nightly rates than long-term rental but more management intensive and variable. Typical city SA: 60-75% occupancy, 80-200/night. Annual gross often 1.5-2.5x equivalent long-term rental, but expenses higher (cleaning, management 15-25%, voids, supplies).

300k property, 75k deposit. 100/night × 60% × 30 = 1,800/month gross. - 20% management 360 - 400 fixed costs = 1,040 net. Annual 12,480. Cash-on-cash on 75k deposit: 16.6%. Strong returns vs long-term rental's ~6%. Trade-off: more work, higher variability, regulatory risk.

SA regulations tightening. 90-day annual limit., Cornwall, restrictions. Increasing council scrutiny. Rate of return premium over long-term rental (~10 percentage points) reflects: higher management, higher maintenance, regulatory uncertainty, void risk. Active operators with multiple properties often run dedicated SA companies; passive landlords may prefer long-term simplicity.

Run it with sensible defaults

Using property price of 300,000, deposit of 75,000, nightly rate of 100, occupancy of 60%, the calculation works out to 16.64%. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Property Price, Deposit, Nightly Rate, Occupancy %, and Management % — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Monthly rev = nightly × occupancy × 30. Management cost = revenue × mgmt %. Net = revenue - mgmt - fixed. ROI = annual net ÷ deposit × 100. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Where this fits in planning

This is a "what-if" tool, not a forecast. Use it to test ideas before committing: what happens if the rate is 2% lower than hoped, what happens if you add five more years. The value is in the scenarios you run, not the single answer you get from the defaults.

What this doesn't capture

Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.