Calculate Debt Service Coverage Ratio, monthly cash flow, and cash-on-cash return for your short-term rental property. Built for Airbnb and vacation rental investors.
| Gross STR Revenue | +$8,500 |
| Occupancy Adjustment (65%) | -$2,975 |
| Effective Revenue | +$5,525 |
| HOA | -$0 |
| Insurance | -$200 |
| Property Management | -$500 |
| Utilities & Other | -$300 |
| Operating Expenses | -$1,000 |
| Net Operating Income (NOI) | +$4,525 |
| Mortgage (P&I) | -$2,517 |
| Monthly Cash Flow | +$2,008 |
How DSCR works for STR: Lenders typically require DSCR ≥ 1.0 for short-term rental properties. Some lenders apply a haircut (25-35%) to STR income to account for volatility. We calculate DSCR as NOI ÷ Monthly Mortgage Payment. NOI = Effective Revenue − Operating Expenses, where Effective Revenue accounts for your actual occupancy rate.
Get pre-qualified for STR-friendly DSCR loans. Specialized programs for short-term rental investors — no tax returns or W2s required.
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