DSCR Calculator Rental Property Guide: Calculate Income, Expenses, and Loan Eligibility
Enter your rental income and debt payments to instantly calculate your DSCR and see if your property qualifies for financing.
Total revenue collected from all bookings across Airbnb, Vrbo, and direct channels over 12 months, before any deductions.
All recurring costs to run the property: cleaning, supplies, platform fees, insurance, property management, utilities, and maintenance.
Total principal and interest payments on the property mortgage for the year — the number lenders use to assess your DSCR.
Annual gross rental income minus annual operating expenses — the numerator in the DSCR formula.
How the Calculator Helps
Instant DSCR Snapshot
Get your debt service coverage ratio in seconds, so you can screen deals before spending time on due diligence.
Lender-Ready Numbers
Most DSCR lenders require a minimum ratio of 1.25; this calculator shows exactly where your property stands against that threshold.
Scenario Comparison
Swap in different income or expense figures to see how seasonal STR revenue swings affect your borrowing eligibility.
How the Dscr Calculator Rental Property Tool Works
Forget building a spreadsheet. This calculator instantly gives you your debt service coverage ratio when you plug in just three numbers: Net Operating Income, principal, and interest. You don't even have to click 'submit'. Seriously, it's that simple.
Annual Gross Rental Income
Total revenue collected from guests before any expenses — combined payouts from Airbnb, Vrbo, and direct bookings over 12 months.
Use actual figures rather than projections whenever possible; overstating income inflates your DSCR and misrepresents your position to lenders.
Annual Operating Expenses
Every recurring cost required to keep the property running: cleaning fees, supplies, property management fees, insurance, utilities, repairs, and platform commissions.
Undercounting expenses inflates your net operating income and gives lenders a false picture of your true DSCR.
Annual Debt Service
Total principal and interest payments due on the property loan over 12 months.
This is the denominator in the DSCR formula — an inaccurate figure here skews every result the calculator produces.
Run Your First Dscr Calculator Rental Property Calculation Today
Enter your income, expenses, and debt service, get your DSCR in seconds, free .
No credit card required. Cancel anytime.
Frequently Asked Questions
Does the Calculator Work for Properties With Seasonal Income Swings?+
Yes, enter your Annual Gross Rental Income as the full-year total. A beach property earning $28,000 in summer and $6,000 in winter should be entered as $34,000.
What Counts as Annual Operating Expenses for an Str?+
Include property management fees, cleaning costs, platform fees, insurance, utilities, HOA dues, maintenance reserves, and property taxes.
Should Annual Debt Service Include Only the Subject Property's Mortgage?+
For a single-property calculation, yes. If a lender is underwriting your full portfolio, they may want combined obligations, confirm their scope first.
What DSCR Do Most STR Lenders Require in 2026?+
Most lenders won't even consider a loan unless your ratio hits at least 1.20. That's their floor. Now, some flexible non-QM lenders might approve a deal at 1.0, but only for a borrower with other major strengths, like a 780 FICO score. Anything below 1.0? Forget about it, it’s a guaranteed 'no' from any lender.
Can a Dscr Calculator Rental Property Tool Replace a Formal Lender Analysis?+
No. This calculator gives you a pre-submission read. Lenders apply their own expense assumptions and income verification, which can shift the final ratio by 0.10 to 0.
How Do Platform Fees From Airbnb or Vrbo Affect the Calculation?+
Airbnb's host fee (typically 3%) and Vrbo's owner fee (typically 5%) reduce net income. Include both in Annual Operating Expenses, omitting them overstates your DSCR.