Today’s letter is brought to you by Host Financial
Last Friday's number came in hot. The Fed decides today at 2pm ET.
August CPI landed at 0.4% for the month, 3.4% year over year, matching the headline forecast on the surface. Core CPI told a different story: up 0.3%, a tenth hotter than the 0.2% economists were modeling, even as the annual core rate eased to 2.4%, its softest reading since 2021.
That one-tenth miss moved more than Fed odds. Odds of a quarter-point hike jumped to near 90% on the CME FedWatch tool, up from around 70% pre-release. The 10-year Treasury has already climbed with it, touching 5% this week for the first time since 2007, with the 5-year close behind near 4.8%. Both are reacting to the same inflation pressure driving today's decision, plus a fresh run-up in oil prices.
Either way, your STR property doesn't have to hinge on which way the Fed goes.
Host Financial underwrites on what the property earns, using actual STR income history or income projections, not market rents like most DSCR lenders claim to but don't actually use. And because they price across multiple capital partners instead of one rate sheet, they're not stuck with a single answer if today's decision moves the market further.
They can shop your file across several lenders to find terms that still work, hike, hold, or otherwise.
➡️ Show Me My Number
Two cabins near Helen, Georgia are carrying $538K combined in documented gross bookings since 2024, and the seller will let you buy the whole operation as one LLC, reviews and all.
Elsewhere this week, a Hill Country spread with the bank already cut out of the deal.
Eight deals in Member Marketplace, $324,900 to $1.5M, plus five more below in Motivated Seller STRs, all of them cutting price or sitting well past the local average days on market.
Sautee Nacoochee, GA — Two STRs, $538K+ combined in documented gross bookings since 2024, sellable together as one LLC. You step into a business, not a blank slate.
Fredericksburg, TX — $1.5M off-market, seller financing at 10% down and 4.5% interest. Roughly $150K a year is already coming in.
Idyllwild, CA — Owners of 30 years are retiring to Tennessee. The transferable STR permit that only opens twice a year goes with the house.
Chugiak, AK — $25K price cut on 9/3. Superhost status, roughly $95K gross, three view decks under Denali.
Panama City Beach, FL — $97K gross in 2024 split across two separately metered units. No HOA.
Pocono Summit, PA — $60K grossed in eight months on a $425K cabin. Do the math on the back half of the year.
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This weeks Featured Listing brought to you by Ryan Moyer
$925,000 | ChampionsGate, FL
9 BD / 5 BA | 3,909 SF | $237/SF
1682 Moon Valley Drive, Davenport, FL 33896
Close before Dec 31 and pair accelerated depreciation with a property that's already proven (verify with seller), not projected. Heavily themed interiors and a full arcade of FF&E make this an unusually rich cost seg candidate.
The numbers:
$130K gross revenue in 2025 at 85% occupancy
$104K+ already booked for 2026, $15K+ confirmed into late 2027
77% occupancy YTD vs. 70% ChampionsGate market average, forward bookings pacing 2x the market (PriceLabs)
The property: Custom Star Wars room, enchanted princess room, secret Mickey clubhouse, private arcade/game room — full Disney-experience theming, not one novelty bedroom. South-facing pool and spa with free heat, full Oasis Club resort access (waterpark, lazy river, theater, two golf courses). Sleeps 22, 10 miles to Disney. Turnkey, fully furnished, established listing with verifiable revenue history.
Cost seg window closes Dec 31, 2026.
📩 Ryan Moyer | [email protected] | 385-600-7020
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🔻 MEMBER MARKETPLACE
Verify before you trust. Not a disclaimer. The only rule.
AK | Chugiak • $699k
Price cut $25K on 9/3 on a Superhost-status Alaska cabin generating roughly $95K gross with a 4.79-star, 42-review track record.
Licensed Alaska STR (self-reported) · 4 bed/3 bath/2,617 SF · Three view decks + full roofdeck · Billiards table, wet bar, gourmet kitchen · Walking distance to Chugach State Park trailhead · Built 2012
CA | Idyllwild • $650k
30-year owners retiring to Tennessee are pricing this Idyllwild property with a transferable STR permit already $1,000 into a twice-yearly application window.
5 bed + loft, 2 bath main unit · Lower-level 2BR/1BA with kitchen (~900 SF) · ~3,300+ SF total · Pool, mountain views, permitted car lift · Owned 30 years, sellers relocating to TN
FL | Treasure Island • $324.9k
On track to gross $35,000 this year, this Treasure Island condo-hotel unit includes electricity in its HOA fee.
True nightly-rental condo-hotel zoning · Fully renovated, turnkey · 2nd floor unit · Electricity included in HOA · Blocks from Treasure Island beach · 20 min to downtown St. Pete
FL | Bradenton • $540k
Price reduced to $540K on a turnkey 3BR/2BA Bradenton pool home that grossed $46,000 this year despite a month of owner use.
Heated pool · Fully furnished · 8 miles to Anna Maria Island beaches · Seller relocating, cites distance from property · Gross figure includes 1 month of owner stay
FL | Panama City Beach • $585k
This off-market Panama City Beach duplex posted roughly $97,000 in 2024 gross revenue across both units, a 10.6–11% potential cap rate.
4 bed/2 bath total, 2BR/1BA per unit · 1,620 SF · No HOA, no flood insurance · Separately metered utilities · Fully furnished · Unit rents through Aug: $3,000 + $2,600/mo · Cash offers preferred, no seller financing
GA | Sautee Nacoochee • $525k–$675k
Two Sautee Nacoochee STRs near Helen, GA carry $94,752 and $443,514 in documented gross bookings since 2024, sellable together as one LLC.
$525K (62 Couples Ln) + $675K (66 Lovers Ln), sellable as one entity · 589+ reviews, 4.95 rating, Guest Favorite badge · Active STR licenses on both parcels · 1.22 acres + 1.14 acres · Three furnished cabins at Lovers Ln with new HVAC + hot tubs · Cash or DSCR buyers
PA | Pocono Summit • $425k
Already grossing $60,000 in eight months toward an $80,000+ full-year pace, this turnkey Pocono Summit cabin posts a 31% cash-on-cash return.
3 bed/2 bath, 1,400 SF · Outdoor pool + hot tub · $19K crawlspace/water-management repair completed · New tankless water heater · New premium carpet in loft · Room for further upgrades
TX | Fredericksburg • $1.5M
Off-market Fredericksburg, TX STR grosses roughly $150K yearly with seller financing at 10% down, 4.5% interest, and a 5-year balloon.
6 bed/3.5 bath, 3,100 SF, ~25 acres (20.85 ac sellable separately toward down payment) · Sold fully furnished · Main house + connected cabin + guest house · Two new AC units, new roof · Cap rate 6.4% with PM / 8.49% self-managed
This week we reviewed 26 Member posts and 15 made the cut for the newsletter. Got one that did not make it?
Post your property in STR Homes for Sale.
🔻 MOTIVATED SELLER WATCH LIST
A few deals we scouted for you this week that show potential seller motivation in your favor.
FL | Pensacola • $1.05M
221 days on market and a $299,000 cumulative price cut since February brought this 1908 North Hill estate to $1,050,000 (public record).
3BD/2.5BA main house + 1BD/1BA guest cottage (public record) · 3,681 combined SF · Guest cottage seller-projected at $25K/yr STR income, unverified · Local average time-to-pending: 67 days — this listing: 221 · North Hill Preservation District, walkable to downtown Pensacola
TN | Pigeon Forge • $449k
Seven price cuts and $70,000 off since April put this Pigeon Forge log cabin at $449,000 after 162 days on market.
2 bed/2 bath, 1,200+ SF · Local average time-to-pending: 67 days — this listing: 162 · Active on established rental program · Eagles Ridge Resort subdivision · Minutes to Dollywood, Pigeon Forge, GSMNP entrance (public record)
TN | Nashville • $405k
Listed 340+ days ago and cut $13,000 since, this Nashville riverfront condo has booked $33,000 in STR revenue as of July.
1 bed/1 bath, 630 SF · Airbnb Guest Favorite · HOA $394/mo · Riverfront balcony views · Days on market: 340+, well above typical condo turnover (public record)
TN | Nashville • $930k
Pulled off market in August and relisted at $930,000, this Architectural Digest-featured Nashville STR sits $68,000 below its March asking price.
4 bed/3.5 bath, 1,533 SF · Themed "Lyric Lounge" STR, active bookings · Rooftop terrace, Selfie Lounge amenity · Relisted after being pulled from market · Minutes to Broadway, The Gulch, 12 South (public record)
TN | Sevierville • $675k
This new-build Sevierville cabin cut $4,000 since July after posting almost $74,000 in its first full year of income.
2 bed/2 bath, 1,200 SF · Built 2025 · Two price cuts since listing · $563/sq ft · 0.88-acre lot, silent/no-noise location (public record)
Have a great week and happy scouting!
Andy