DSCR Loan Calculator
Qualify based on property income — not personal income. Rates available from 0.00x DSCR.
Short-Term Rental Income
Use STR projected income instead of long-term rent
Address is copied to your clipboard when you click AirDNA Rentalizer — just paste it into their search box.
$
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1. Enter the address above →
2. Click AirDNA — the address is copied to your clipboard automatically →
3. Paste into AirDNA's search box, set bedrooms & bathrooms, click Calculate Earning Potential →
4. Copy the annual revenue and paste it into the field above.
✦ Calculator is using STR projected income as gross rent.
Property & Loan
$
Current or projected long-term rent
$
%
%
years
Expenses
$
$
$
%
DSCR Ratio
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—
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< 0.8x
No-Ratio
Major ⇧
0.8x – 1.0x
Below Break-Even
Slight ⇧
1.0x – 1.25x
Break-Even
Base Rate
1.25x – 1.5x+
Best Pricing
Best Rate
Monthly Breakdown
Loan Amount
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Principal & Interest
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Taxes, Insurance & HOA
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Total PITIA
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Effective Gross Rent
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Monthly Cash Flow
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Min Rent @ 0.8x
—/mo
Significant rate bump below this
Break-Even @ 1.0x
—/mo
Standard pricing tier
Best Rate @ 1.25x
—/mo
Optimal pricing begins here
Sweet Spot @ 1.5x
—/mo
Peak rate territory
For illustrative purposes only. Rate tiers are general guidelines — actual pricing subject to lender overlays, LTV, credit, and property type. STR income projections sourced from AirDNA Rentalizer; actual income may vary. Rates available from 0.00x DSCR. Contact Barrett Financial Group for scenario-specific pricing.
Ready to move forward?
Drop your info and Zack will reach out with personalized DSCR loan options for your property.