Published rules only

Check your STR deal, lender by lender

Enter one deal and see your DSCR at each of the 27 tracked lenders after its own published STR income haircut, against its published minimum DSCR and max LTV. Yes, maybe or no, with the source for every figure. Runs in your browser; nothing is sent anywhere.

Your deal

Prefilled with example numbers. Replace them with yours.

Purchase price / value

Down payment

Interest rate

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

Amortization

Expected gross annual STR revenue

Before platform fees, cleaning and management.

Revenue is based on

A projection (AirDNA, STR appraisal)12 months of booking history

I've operated a short-term rental for 12+ months (some lenders publish an STR experience requirement; Easy Street's “professional” tier = 3+ STRs, or 1 in the same market)

Property taxes / yr

Insurance / yr

HOA dues / yr

Management

% of rev$/yr

PITIA = monthly principal & interest + (taxes + insurance + HOA) ÷ 12. Qualifying income = gross STR revenue × the lender's published factor ÷ 12. DSCR = qualifying income ÷ PITIA. Management is not part of PITIA.

Monthly P&I–

Monthly PITIA–

Loan · LTV–

Gross revenue / mo–

DSCR at 100%–

At 100% less mgmt–

About management

Most DSCR lenders divide rent by PITIA and don't subtract management. Their STR haircut (for example A&D's 75%, “to adjust for rental expenses”) is their expense allowance. So yes / maybe / no uses the lender's rule without management. The “DSCR after mgmt” column is a stricter view: it deducts only the part of your management cost that the lender's haircut doesn't already cover, so nothing is counted twice. None of the rules we track says management is deducted on top of the haircut.

Lender by lender

Yes = haircut, min DSCR and max LTV are all published and your deal clears them. Maybe = a figure isn't published, so we can't tell. No = a published figure fails, or the lender says it doesn't accept your income basis.

All 27YesMaybeNo

“STR” figures come from the lender's short-term-rental rules (rules checked Oct 19, 2026). Where a lender publishes no STR-specific minimum DSCR or max LTV, we use its general DSCR program figure and label it “program minimum” or “program max”. Max LTV is the purchase figure. “Not published” means we found no number on the lender's public pages; it is never counted as a pass or a fail. Credit score, reserves, loan size, state and property type also matter: see the lender matcher.

Not advice

These are estimates from public lender pages, not a loan offer, approval or advice. Lenders change terms, and the appraiser, credit and reserves can change the answer. Confirm every figure with the lender before you rely on it.

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.