Acquisition · Pre-buy
DSCR loan calculator.
Punch in rent, opex, and the loan terms a DSCR lender just quoted. Live result against the 1.0, 1.25, and 1.5x thresholds.
Property cash flow
Loan terms
DSCR result
DSCR
1.83x
A-tier — best DSCR rate sheet
How it works
DSCR = annual NOI ÷ annual debt service. NOI is gross rent minus operating expenses (taxes, insurance, HOA, utilities, management, cleaning). Debt service is principal + interest only — DSCR does not include taxes or insurance in the denominator.
Most STR DSCR lenders price by tier: ≥ 1.10x qualifies, ≥ 1.25x gets standard rate, ≥ 1.5x gets the best rate sheet. Below 1.10x most lenders pass or quote a no-ratio program at higher cost.
How to use this calculator
- Pull a recent 12-month income statement (or AirDNA Rentalizer estimate).
- Sum 12 months of operating expenses — taxes, insurance, HOA, utilities, mgmt, cleaning.
- Plug in the loan amount and rate the DSCR lender just quoted.
- Read the tier — that's the program you qualify for.
FAQ
What DSCR do most STR lenders require?
Most DSCR programs require ≥ 1.00x. Visio is the most lenient; Kiavi and Lima One typically prefer 1.10x and price best at 1.25x+.
Does seasonal STR income hurt DSCR?
Lenders annualize. A property that earns $30k in summer and $5k in winter is evaluated on the $35k annual — not the slow months.
Can I include cleaning fees in DSCR rent?
No. Lenders use net rent after cleaning fees that pass through to guests. Use the platform-paid net, not the gross with cleaning.
What is a "no-ratio" DSCR loan?
A program that ignores DSCR if your credit and reserves are strong; rates run 50–100 bps higher than tiered DSCR.
How is DSCR different from cash flow?
DSCR is a ratio (NOI ÷ debt service). Cash flow is the dollar amount left after debt service. Same numerator, different presentation.
Read the deep-dives
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DSCR loan vs. conventional for Airbnb: which actually works
DSCR loans qualify on the property's projected cash flow, not your W-2. Here's when that math beats a conventional mortgage — and when it doesn't.
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How 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.
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