Home›STR DSCR Calculator

🏦 STR DSCR Calculator

Calculate DSCR for short-term rental financing. See minimum annual revenue required to qualify, lender stress tests at 75% revenue, and qualification status.

📍 Property Address (optional)
InputsYour Numbers
STR Loan Details
Purchase Price?
$
Down Payment %?
%
Interest Rate %?
%
Loan Term (years)?
STR Income (Annual)
Annual STR Revenue?
$
Pro Forma Annual Revenue?
$
Operating Expenses
Property Tax / mo?
$
Insurance / mo?
$
Utilities / mo?
$
Supplies / mo?
$
As-Is AnalysisCurrent
Enter values to see results
STR DSCR
--
target 1.0-1.25x
Monthly NOI
--
before debt service
Monthly Payment
--
P&I
Lender Status
--
qualification
DSCR Calculation
Annual STR Revenue--
Annual Operating Expenses--
Annual NOI--
Annual Debt Service (P&I)--
DSCR = NOI / Debt Service--
Minimum Revenue Required
Revenue for 0.8x DSCR (no-ratio)--
Revenue for 1.0x DSCR--
Revenue for 1.25x DSCR--
Pro FormaAfter Plan
Enter pro forma values
Pro Forma DSCR
--
vs as-is
Pro Forma NOI
--
higher revenue
Lender Uses 75%
--
conservative lender adj.
DSCR at 75% of Rev
--
stress tested
Lender Underwriting Analysis
Full Pro Forma Revenue--
At 75% (conservative lender)--
DSCR at 100% Revenue--
DSCR at 75% Revenue--

📄 Email My Free Report

Full analysis sent to your inbox instantly.

1
Enter Loan Terms
STR DSCR loans typically require 25% down and carry higher rates (8-9%+) vs standard DSCR loans. Enter your specific terms.
2
Use Annual Revenue
STR DSCR loans underwrite on annual gross revenue, not monthly. Use 12 months of AirDNA data, actual receipts, or a realistic projection.
3
Enter All Operating Costs
Tax, insurance, utilities, and supplies are operating costs. Platform fees are typically not included as a separate line -- they reduce gross revenue.
4
Check Minimum Revenue
The table shows exactly what annual revenue you need for 0.8x, 1.0x, and 1.25x DSCR. Use this to verify your revenue projections support the loan.
5
Understand Lender Haircuts
Many STR DSCR lenders underwrite at 75% of projected revenue, not 100%. The pro forma column shows whether your deal still qualifies at that conservative assumption.
6
Know the STR DSCR Lender Market
STR DSCR lenders include Kiavi, Visio, Lima One, and others. Each has different occupancy requirements, revenue documentation rules, and LTV limits.

STR DSCR loans are a relatively new product that allows investors to finance short-term rental properties using the projected STR income for qualification -- similar to how standard DSCR loans use rental income.


Key differences from standard DSCR: STR lenders typically require documentation of STR income (AirDNA, actual statements), apply a haircut (often 75% of gross revenue), require STR-specific insurance, and charge higher rates due to perceived volatility of STR income.


For a property to qualify, the underwritten NOI (at the lender's haircut) must meet the required DSCR (usually 1.0-1.25x). This is why understanding the minimum revenue threshold is critical before committing to a purchase price.

📄 Email My Report

Full analysis sent free to your inbox.