DSCR Calculator for Short-Term Rentals
Calculate the Debt Service Coverage Ratio (DSCR) for your Airbnb or short-term rental investment. DSCR lenders don't all use the same cutoff: many programs target a ratio of roughly 1.10–1.25, though some accept lower ratios with compensating factors.
Your DSCR:
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What is a DSCR Loan?
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Unlike traditional loans, they do not rely on your personal income (W-2s). Instead, qualification is based entirely on the cash flow generated by the property itself. A DSCR of 1.0 means the property breaks even. A DSCR above 1.25 is typically required by lenders to ensure there is a buffer for vacancies or unexpected repairs.
How to Calculate DSCR for Airbnb
The formula is straightforward: Net Operating Income (NOI) divided by Annual Debt Service. For short-term rentals, your NOI is your projected Airbnb income minus operating expenses (cleaning, platform fees, taxes, insurance). Use our calculator above to instantly see if your next short-term rental deal qualifies for a DSCR loan.