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STR DSCR Calculator

Does your short-term rental income qualify for a DSCR loan? Calculate using actual STR revenue.

📍 Property Address (optional)
✓ Saved
InputsShared
Loan Details
Purchase Price
$
Down %
%
Rate %
%
Term (years)
STR Revenue
Annual Net STR Revenue?
$
Pro Forma Annual Revenue
$
Annual Operating Expenses
Property Tax/mo
$
Insurance/mo
$
Utilities/mo
$
Supplies/mo
$
As-IsCurrent
Enter values to see results
DSCR Ratio
—
STR income ÷ mortgage
Monthly NOI
—
before debt
Mortgage PITIA
—
/mo
Qualifies?
—
lender threshold
STR DSCR Build-Up
Annual STR Revenue—
Annual Operating Expenses—
Annual NOI—
Monthly NOI—
Monthly PITIA—
DSCR—
Lender Thresholds
≥ 1.25 (Strong)—
1.0–1.25 (Acceptable)—
0.8–1.0 (Marginal)—
Pro FormaAfter plan
Enter values to see results
PF DSCR
—
at higher revenue
PF Qualifies?
—
DSCR Improvement
—
Min Revenue Needed
—
for 1.0 DSCR
Pro Forma DSCR
Pro Forma Revenue—
Pro Forma NOI/mo—
Pro Forma DSCR—
Revenue Needed to Qualify
For DSCR = 1.0—
For DSCR = 1.25—
For DSCR = 0.8—