Short-Term Rental Calculator

Model an Airbnb or vacation rental on its real numbers — nightly rate, occupancy, and hosting costs — and see the DSCR a lender will qualify, plus the cash flow you actually keep. Qualify on the property's revenue, not your paycheck.

Short-term rental income

Average nightly rate

$

Occupancy

%

Projected gross revenue (auto) —

Hosting & operating costs

Property management (% of revenue)

%

Cleaning / mo

$

Utilities / mo

$

Supplies, internet & other / mo

$

Property & financing

Purchase price

$

Down payment

%

Loan amount (auto) —

Interest rate

%

Term 30-year 40-year 15-year

Property taxes / yr

$

Insurance / yr

$

HOA / mo

$

Furnishing & startup

$

Interest-only payment IO lowers the payment and raises your qualifying DSCR — common on STR loans.

Your STR is ready

Get your real rate on this deal.

You’ve run the numbers — now get a live quote from a real DSCR advisor, usually the same business day. No tax returns, no obligation.

Get my real rate → Call (855) 623-7250

Your details go to your advisor only — never sold or shared.

Terry Roberts

DSCR Loan Advisor, NMLS 397987

(855) 623-7250

NMLS #1416824 · E Mortgage Capital

Buying a short-term rental? I'll line up lenders that credit Airbnb income — projected or actual — and price it on the property's revenue, usually the same business day.

Call (855) 623-7250 Get a quote