STR/Airbnb DSCR Calculator

Calculate Debt Service Coverage Ratio for short-term rental properties. Accounts for income volatility, seasonal fluctuations, and higher vacancy rates specific to STR investments.

STR Income
$
Based on historical booking data or market projections
$
STR Risk Factors
%
Market unpredictability (default: 20%)
%
Off-season income reduction (default: 15%)
STR Vacancy Rate: 30% (fixed for short-term rentals)
STR Risk Adjustments Applied
Income Volatility -20.0%
Seasonal Fluctuation -15.0%
STR Vacancy Rate -30.0%
STR Adjusted DSCR
1.27
Good - STR Financing Available
Gross STR Income
$8,000
Risk-Adjusted Income
$3,808
STR DSCR Formula
Formula: Gross Income × (1-Volatility) × (1-Seasonal) × (1-Vacancy) ÷ Debt Service
Test Case: $8K gross, 20% volatility, 15% seasonal, 30% vacancy, $3K debt = 1.27 DSCR
Same thresholds as traditional DSCR:
>1.25 = Excellent | 1.0-1.25 = Good | <1.0 = Risky

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