STR Lender Watch Get lender alerts

Will my deal qualify?

Enter the deal to get a printable report: loan amount, PITIA, DSCR, booked nights needed, and which of 28 direct lenders' published minimums it meets, misses or doesn't publish. Runs in your browser; nothing is sent anywhere.

Your deal

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75% LTV = 25% down.

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From booking history or an AirDNA-style projection.

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Your own assumption. Lenders' published haircuts: haircut ladder.

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Prefilled with the middle of today's estimate (Oct 23). Use your quote.

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Adds booked nights needed.

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Loan = price × LTV. PITIA = monthly principal & interest + taxes + insurance + HOA. DSCR = (annual gross income × (1 − haircut) ÷ 12) ÷ PITIA. Booked nights = target DSCR × PITIA ÷ (1 − haircut) ÷ nightly rate, rounded up. Lenders are checked only against figures they publish: credit score, max purchase LTV, minimum DSCR, states served, minimum and maximum loan.

Deal report

STR Lender Watch · lender data verified Oct 26, 2026 · rate estimate as of Oct 23, 2026 · https://strlenderwatch.com/deal-report/

Loan amount
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Monthly P&I
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Monthly PITIA
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Qualifying income / mo
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Computed DSCR
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Break-even gross income (DSCR 1.00)
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Booked nights / mo for DSCR 1.00
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Booked nights / mo for DSCR 1.25
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Lenders checked
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Match on credit, LTV, loan and stateCompare lenders side by sidePer-lender haircuts

Not advice

Checks only the figures each lender publishes. Meeting them is not an approval or an offer: lenders also weigh reserves, property type, appraisal and their own STR income method. A lender that doesn't publish a figure is listed under "doesn't publish", never as a pass. Confirm every figure with the lender.

Lender terms change. We email when a lender we track changes a published figure. Get lender change alerts

Free · Lender change alerts

Get an alert when lender terms change

  • When a lender we track changes a published term (credit score, LTV, DSCR, STR income rules, states), we email you
  • Old value, new value and a link to the lender's own page
  • No set schedule: we email when there's a change to report. Every change is also on the change log

Free download: the STR DSCR lender cheat sheet (PDF), every direct lender on one printable page. Web version

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Next steps

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.