DSCR Calculator (Rental and STR Mortgage)
DSCR loans qualify on the property's income instead of your pay stubs. Lenders compare monthly rent with the full payment: principal, interest, taxes, insurance and HOA (PITIA).
Results
How it works
Loan = price x (1 - down payment). PITIA = principal and interest + tax / 12 + insurance / 12 + HOA. DSCR = monthly rental income / PITIA. Rent needed for a target DSCR = PITIA x target.
FAQ
What DSCR do lenders want?
Many look for 1.0 or higher, and better pricing often starts around 1.2 to 1.25. Each lender sets its own rules.
How is STR income counted?
Lenders often use a 12-month booking history or a third-party revenue estimate, sometimes with a haircut. Ask yours which one.
Is this the same as NOI-based DSCR?
Commercial loans divide net operating income by debt service. Residential DSCR loans usually use gross rent over PITIA, which is what this shows.
Track every booking and the tax you owe by town in the Keel & Charter Airbnb Host Tracker ($19)
Coastal South Carolina and Georgia hosts
Want the number after every tax and fee? The STR take-home calculator stacks state, county and town taxes for 18 coastal towns and shows which ones Airbnb remits. Rates by town: SC accommodations tax.
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Estimates, not tax or financial advice. Check important numbers with a qualified professional.