Free download

The STR Buyer Pre-Purchase Checklist.

47 items across financing, market, regulation, inspection, insurance, and Year 1 cash. Everything we wish we'd checked before our first STR purchase — free PDF, emailed instantly.

What's inside

  • Financing readiness — DSCR, conventional, second-home, FHA paperwork prep + the questions a lender will actually ask.
  • Market viability — regulation status, occupancy benchmark, ADR ceiling, saturation tier, comp triangulation.
  • Property inspection — STR-specific items (hot tub, parking, noise, neighbor proximity, HOA carve-outs).
  • Insurance + LLC — STR-specific carriers, what umbrella covers, when to LLC vs. not.
  • Year 1 cash — down payment + closing + furnishing + reserves + the surprises (utility deposits, permit fees, software stack).
  • First-90-days operating plan — listing setup, first-30 reviews, pricing strategy, cleaner relationship.

Email me the buyer's checklist

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Why a checklist?

Most STR purchases that struggle in Year 1 don't fail because of bad market choice. They fail because something obvious got skipped during the buy — an HOA STR ban that wasn't flagged, a regulation change that was three months away, a furnishing budget that came in 60% over plan.

A checklist isn't sexy. It's just the cheapest way to not lose money on something predictable.

Built by The STR Ledger. Excel templates and PDFs for short-term rental finance.

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