STR DSCR Rate Index
Our running estimate of what a short-term rental DSCR loan costs: the latest 10-year Treasury yield plus the spread the middle half of DSCR-style investor loans paid in public HMDA records. How it's calculated.
ESTIMATE: not a quote; 10-year Treasury + HMDA spread
- Estimated range
- 7.56–8.43%
- Midpoint
- 8.00%
- Week over week
- Not yet available
as of Oct 15, 2026
middle of the range
needs an entry 5+ trading days older
Index history
History starts October 15, 2026 and grows with each weekday refresh. A chart appears once there are two readings. We don't backfill earlier dates.
| FRED date | 10-yr | Spread (pts) | Est. range | Midpoint |
|---|---|---|---|---|
| 5.10% | +2.46–3.33 | 7.56–8.43% | 8.00% |
Spread basis: HMDA 2025 middle half. Entries are never edited; if the HMDA spread is refreshed, only new entries use it. Download JSON · RSS feed
What "weekly" means
We report the index weekly, but the data behind it updates every weekday: each morning we pull the latest 10-year Treasury yield from FRED and record one reading per FRED observation date. The week-over-week change compares the latest midpoint with the newest reading at least 5 trading days older.
What it is not
This is not a quote, an offer, or any lender's rate. It describes the range the middle half of DSCR-style investor loans paid over the 10-year Treasury in HMDA data, applied to today's 10-year yield. HMDA lags by about a year. Your rate depends on credit score, LTV, DSCR, points, prepayment penalty, loan size and property type. Get a written quote from the lender. See real rates by county and the methodology.
What did you actually pay?
If you closed an STR DSCR loan, share your rate. It's anonymous and moderated, and approved reports appear on reported rates. Those reports are self-reported and never feed into this index.
- 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.