Stays reference
@ $1,250 avg · $200/clean
| Revenue | Stays | Cleaning |
|---|
Highlighted row = active scenario on either card.
Full deduction assumptions
Mortgage interest$6,792
HELOC interest$6,555
Property tax$3,385
Hazard insurance$1,858
Utilities (WiFi/elec/water)$2,940
Lawn, outdoor & propane$2,650
Cleaning ($200/stay, ~$1,250/stay revenue)scales with rev
Supplies, amenities & admin$2,051
Platform fees (~5% of rev)varies
HVAC (2026 only)$10,000
Tennessee has no state income tax — federal rate is your only income tax exposure on rental income. Net rental profit/loss flows directly against W2 income due to non-passive (7-day average stay) qualification. Bracket based on ~$250K taxable income (Eddie 7% 401k + Gretchen 10% 403b contributions applied). Platform fees estimated at 5% of gross revenue. Consult your CPA before filing. All figures approximate.