Market comparison
Smith Mountain Lake — Moneta, VA vs Virginia Beach, VA
On modelled numbers, Virginia Beach carries the higher annual revenue and Virginia Beach the stronger occupancy. Same state alternatives
| Smith Mountain Lake — Moneta, VA | Virginia Beach, VA | |
|---|---|---|
| Modelled annual revenue | $47,100 | $54,300 |
| Nightly rate | $248 | $248 |
| Occupancy | 52% | 60% |
| Nights booked a year | 190 | 219 |
| Peak season | Jun–Jul–Aug | Jun–Jul–Aug |
| Season concentration | 54% in top 4 months | 48% in top 4 months |
| Modelled purchase price | $370,000 | $370,000 |
| Modelled cash-on-cash | 11% | 16% |
| Break-even occupancy | 36% | 36% |
| Mid-term monthly rent | $3,350 | $3,350 |
| Short vs mid-term | Close | Nightly ahead |
| Rule status | Status unpublished | Status unpublished |
| Market type | lake | atlantic-beach |
Operating costs are modelled at 32% of gross revenue for a nightly rental (cleaning, supplies, utilities, platform fees, maintenance, insurance) and 14% for a monthly rental. Financing assumes a 25% down payment and a 30-year loan at 7%. These are planning assumptions, not quotes — replace them with your own numbers. Rule status is only stated where we hold an official source; otherwise it is marked as needing verification on each market's regulation page.
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