Two views at once: real investor cash flow with full occupancy analysis, and lender DSCR with the conservative STR haircut. Live rate quote included.
| Gross STR Revenue | — |
| Platform Fees | — |
| Property Management (25%) | — |
| Cleaning + Supplies | — |
| Utilities | — |
| Net STR Income | — |
| Taxes + Insurance | — |
| HOA | — |
| Net Operating Income (NOI) | — |
| Mortgage P&I | — |
| Monthly Cash Flow | — |
STR revenue is volatile. Lenders don't know your future occupancy — they discount gross income by 25% to stress-test the deal. A 75% income haircut means a property grossing $4,000/mo gets underwritten at $3,000. Use the conservative DSCR to know your loan qualification outlook.
ADR is easy to research on Airbnb. Occupancy is harder. Pull comparable listings in your target market on AirDNA or Mashvisor. Model at 60%, 70%, and 80% to see how sensitive your cash flow is before you commit.
Annual cash flow divided by cash invested (down payment + closing costs). STR properties targeting 8–12% CoC are a strong hold. Below 5% and you're counting on appreciation to justify the operational headache. This calculator uses down payment as the cash-in basis.
DSCRFlow's STR program qualifies on property cash flow, not your W-2. The lender DSCR above is what gets underwritten. As long as it's ≥ 0.75, you're in the program. At 1.0 you're on standard terms. At 1.25+ you get best-rate pricing.
Yes. DSCRFlow's programs explicitly allow short-term rental (STR) and Airbnb properties. Select "STR/Airbnb" in the application. Lenders apply a conservative income assessment — the 75% haircut model in this calculator reflects the standard approach.
Typically an Airbnb/VRBO income history (12 months preferred), or a lease/rental estimate from a local STR property manager. No tax returns or W-2s required. A market rent analysis can substitute for new properties with no history.
Lenders take your gross STR income and multiply by 0.75 (or sometimes 0.70). That reduced number is the "income" used in the DSCR calculation. Example: $4,000 gross STR × 0.75 = $3,000 underwritten income ÷ $2,800 PITIA = 1.07 DSCR. This calculator models the 75% standard.
15% minimum (85% LTV). Standard is 20–25%. 75% LTV gets best-rate pricing. For an STR, we recommend modeling at 20–25% down to give yourself cushion on the DSCR ratio after the income haircut.
Yes. The Airbnb Deep Dive gives a more detailed occupancy and expense breakdown. This STR calculator adds the dual DSCR view (investor + lender) and live loan rates. Run both to see the full picture before committing.
Apply in under 10 minutes. STR-friendly programs, 48-hour approvals, 21-day closes.
Start My Application →