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Will my Airbnb qualify for a DSCR loan?

Enter the deal to see your DSCR and which of the 26 tracked lenders' published minimum DSCR and max LTV it clears. Runs in your browser; nothing is sent anywhere.

Your deal

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Prefilled with the middle of today's estimate (Oct 15). Use your quote.

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From your booking history or an AirDNA-style projection.

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The expenses most DSCR lenders count.

Want lender-by-lender haircuts instead of one? Try the haircut ladder. DSCR = (gross STR revenue × (1 − haircut)) ÷ 12, divided by monthly principal & interest + taxes + insurance + HOA (PITIA). Some lenders use appraisal market rent instead of STR income, especially without 12 months of history.

Your DSCR
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Loan amount
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LTV
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Monthly P&I
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Monthly PITIA
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Qualifying income / mo
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Break-even revenue (DSCR 1.0)
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Lender minimums vs. your deal

Checks only the published min DSCR and max purchase LTV. Credit, reserves, property type and the lender's own income method also matter.

    Free · Weekly
    • Where the 10-year Treasury moved and what it means for STR loan pricing
    • Lender term changes flagged on the lenders' own pages
    • A short, plain-English STR financing explainer

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    Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.