It's possible (though very unlikely) to start a bed and breakfast without a big capital investment. But there are always important startup costs to consider. One major factor is whether or not you already own a building suitable for a bed and breakfast. The projections here assume that a building is completely paid for -- which means that in the majority of cases, you'll need to add a mortgage payment to these projections. This article is part of our series of worksheets for aspiring innkeepers.