Airbnb Dscr Calculator: Calculate Your Ratio and Compare STR Deals Fast
Enter your monthly rental income, mortgage payment, property taxes, insurance, and HOA fees to calculate your debt service coverage ratio.
Total gross revenue your STR generates each month before any expenses — the numerator in your DSCR.
Combined monthly total of property taxes, insurance, and HOA fees — fixed costs lenders include in the denominator.
Your principal and interest payment on the property loan — the core debt obligation lenders use when underwriting a DSCR loan.
Annual net operating income — total revenue minus operating expenses before debt service.
How is Airbnb Dscr Calculator Helpful?
Instant Income Validation
Confirms whether your rental income covers debt obligations before you commit to a loan.
Lender-Ready Ratio Output
Produces the exact DSCR figure most lenders require, cutting back-and-forth with your broker.
Side-by-Side Deal Comparison
Run multiple properties in minutes to identify which deal clears the 1.25 threshold lenders typically set.
How Airbnb Dscr Calculator Works
Enter five monthly figures and the calculator returns your debt service coverage ratio instantly.
Monthly Rental Income
Gross revenue your short-term rental generates each month — used as the numerator in the DSCR calculation.
Monthly Operating Expenses
Combined monthly total of property taxes, insurance, and HOA fees — fixed costs lenders include in the denominator.
Monthly Mortgage Payment
Total principal and interest obligation per month — the primary denominator component.
CTA Block
Enter your five numbers and get your debt service coverage ratio in under 60 seconds. Get Started Free or Talk to Sales if you're managing multiple properties.
No credit card required. Cancel anytime.
Frequently Asked Questions
Does Vacation Rental Income Count Toward DSCR Qualification?+
Most DSCR lenders accept documented short-term rental income, but they typically apply a 75-90% haircut to your gross figures. Use your trailing 12-month average, not peak-season numbers, when entering Monthly Rental Income .
What DSCR Ratio Do Airbnb Lenders Typically Require?+
Most STR-friendly lenders set a minimum DSCR of 1.20, meaning rental income must cover 120% of total debt obligations. Some portfolio lenders accept 1.0, but expect a higher interest rate.
Should HOA Fees Be Included in the DSCR Calculation?+
Yes. Lenders count HOA fees as part of the debt burden, which lowers your ratio. Enter the exact monthly figure, skipping it will make your DSCR look stronger than a lender will calculate it.
Can a DSCR Loan Cover a Property With Seasonal Income Gaps?+
Yes, but the lender uses an annualized average, not peak months. A property earning $6,000 in July and $1,200 in January averages roughly $3,200 monthly, that's the figure that drives approval.
Do Property Taxes Change After Purchase and Affect My DSCR?+
Reassessment after a sale frequently increases property taxes by 15-30% in high-demand STR markets. Run the calculator using the post-sale estimated tax figure, not the seller's current bill.