DSCR for Airbnb and short-term rentals.
Non-owner-occupied, business-purpose files only. We desk the asset and broker it. We do not fund the loan. STR income method is program-dependent — in-place actuals vs. a projection. Nothing here is a pre-approval or a rate.
Broker, not a lender. Business-purpose / non-owner-occupied only.
Why DSCR shows up on STR files
The asset carries the file
Nightly rent is not a W-2 story. DSCR desks Gross Monthly Rent against PITIA. Personal DTI is usually the wrong conversation for this occupancy.
Hold plan still has to be investment
If you stay in the property, occupancy is the fight. This desk does not desk primary residences or consumer vacation-home loans.
Local rules can kill the rent story
HOA bans, night caps, and municipal licenses are first-order. If the use is not allowed, coverage on a worksheet does not matter.
How STR income is treated vs. long-term
Same lender DSCR formula. Different rent story. The capital source sets the income method — not this website.
Long-term (LTR)
In-place lease or market rent you can defend. The calculator LTR toggle treats that number as in-place, not a projection.
Short-term (STR)
Trailing channel actuals, market comps, or a hybrid — whichever the program will take. Many haircut gross. Some want 12 months of in-place history. The STR toggle marks rent as a projection. You still type the monthly number. We do not scrape Airbnb or VRBO.
Do not invent a nightly rate to clear 1.25. Say which hold you actually intend after close. Mid-term (30+ day) can be a different overlay than nightly.
Run the STR worksheet before you call or text.
Opens occupancy on STR. Lender DSCR is still rent ÷ PITIA (or ITIA if interest-only). Vacancy, maintenance, and PM stay in the investor view. Orientation only — not a credit decision.
Lender DSCR = Gross Monthly Rent ÷ Monthly PITIA (or ITIA if IO)
Same formula as /calculator. Occupancy starts on STR. Math is not forked.
Call or text about this STR file
Bring the address, the channel history you have, estimated PITIA, entity vs. personal vest, and whether you will keep STR or convert to long-term. We desk investor loans. We do not fund them.