DSCR loan calculator
DSCR Loan for a Short-term rental (Airbnb)
Short-term rental (Airbnb) financing with a DSCR loan is qualified on the property's rent, not your income. For short-term rentals, lenders use a stabilized monthly average (often from an AirDNA-style market projection or a 12-month STR history) in place of long-term lease rent. Run your deal below.
Most DSCR lenders treat this as a clean, well-qualified file.
- Loan amount
- $225,000
- Monthly P&I
- $1,573
- PITIA / mo
- $2,073
- Cash flow / mo
- $1,327
- Cap rate
- 11.6%
- Max loan @ 1.25
- $317,499
See your real DSCR rates
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Matching DSCR lenders
Ranked by fit, not by payout.Wide DSCR box that will look at ratios as low as 0.75 with compensating factors; a good backstop for marginal deals that other lenders decline.
- • Fits: DSCR floor 0.75, FICO 620+, up to 80% LTV.
High-volume tech-forward lender with fast DSCR closings and a no-income-doc 30-year product; competitive on A/B-class single-family and 2-4 unit.
- • Fits: DSCR floor 1.00, FICO 660+, up to 80% LTV.
Investor-only lender with an explicit short-term-rental DSCR program and a no-ratio option; strong fit for Airbnb deals where long-term rent is thin.
- • Fits: DSCR floor 1.00, FICO 640+, up to 80% LTV.
One of the original DSCR shops; rate/term and cash-out refis on stabilized rentals with a clean, ratio-driven underwrite and a public DSCR calculator.
- • Fits: DSCR floor 1.10, FICO 680+, up to 80% LTV.
Non-QM lender with flexible DSCR overlays including sub-1.0 'no-ratio' files; useful when the property does not cover PITIA but the borrower is strong.
- • No short-term-rental (Airbnb) income program.
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • No short-term-rental (Airbnb) income program.
Affiliate disclosure: DSCRDealCheck may receive compensation when you connect with or close a loan through partner lenders. This does not affect your rates and does not change our independent rankings.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Actual rates, terms, and eligibility are determined solely by the lender. DSCR loans shown are business-purpose, RESPA-exempt investor loans. Not financial, legal, or tax advice.