DSCR loan calculator
Will an STR property qualify for a no-income-verification DSCR loan?
Open tool →Built by The STR Ledger
Free tools for short-term rental investors
Seven calculators that walk you through the buy decision — financing, market, returns, Year 1 cash, and furnishing — plus market reports on 219 STR cities. No accounts, no popups, no paywalls.
Down payment calculator
How much cash you need by loan type — DSCR, conventional, second home.
Open tool →Comp analyzer
Paste 3 listings, see ADR, occupancy, and RevPAR averages.
Open tool →Market score tool
Is Airbnb profitable in this city? Regulation, ADR, saturation in one score.
Open tool →Cash-on-cash return calculator
What return your cash earns once the property is up and renting.
Open tool →Year 1 cash needs calculator
Down payment + closing + furnish + 6 months reserves — total before keys.
Open tool →Furnishing budget calculator
What it costs to outfit a 2BR / 3BR / 4BR STR to a competitive standard.
Open tool →Market data
Researched 219 STR markets across 50 states. See where to invest.
Each market report covers regulation status, average daily rate, occupancy, saturation tier, and a buyer-friendly score. Updated annually.
Why we built this
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Pre-purchase math is hardest
Most STR calculators assume you already own the property. We focus on the buy decision — DSCR qualifying, down payment by loan type, Year 1 reserves — before you sign anything.
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City data, hand-checked
219 markets reviewed by humans, not scraped. Regulation status updated annually, ADR + saturation reasoned through, not pulled from a stale API.
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No upsell
We surface vendor recommendations on results pages with FTC disclosure. We never sell your email or gate calculators behind a signup. Use the tool, leave when done.
From the notebook
Pair the calculator with the math.
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Insurance 5 minWhy homeowners insurance won't cover your Airbnb — and what does
Standard HO-3 policies exclude STR use. AirCover is a backstop, not coverage. The four policy types that actually cover short-term rentals, and what each one costs.
Read
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Regulation 6 minReading an STR ordinance before you buy: the 7 questions every buyer should answer
STR regulations vary by city, evolve fast, and can kill a deal at closing. Seven questions to answer in writing before you submit an offer.
Read
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Financing 6 minHow much down payment for an Airbnb? The real numbers by loan type
20%, 25%, or 30% down. PMI, rate spread, and reserves by loan type — what each option actually costs over five years.
Read
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