Run the numbers on your next rental property. Calculate your mortgage payment, cash flow, and DSCR ratio instantly.
Ready to get pre-approved for a DSCR loan?
Check My Rate →Short-term rental income varies significantly by market, seasonality, and property type. We recommend using AirDNA's free Rentalizer to get a data-driven monthly revenue estimate. Then enter that number below.
Open AirDNA Rentalizer ↗We approve DSCR loans down to 0.75
Apply Now →The Debt Service Coverage Ratio (DSCR) measures whether a rental property generates enough income to cover its debt obligations. Lenders use it to qualify investment property loans without requiring W-2s or tax returns.
To calculate your DSCR: divide the property's gross monthly rental income by its total monthly debt obligations (mortgage P&I + taxes + insurance + HOA). A DSCR of 1.0 means the property exactly covers its debt. Above 1.0 means positive cash flow. United Trust Mortgage approves loans down to a 0.75 DSCR.
Excellent cash flow. The property generates significantly more income than its debt obligations. Qualifies with virtually any DSCR lender at the best available rates.
Good cash flow. The property covers all its obligations and produces positive returns. Qualifies with most DSCR lenders including United Trust Mortgage.
Below break-even but still financeable. United Trust Mortgage accepts DSCRs as low as 0.75. Something most conventional lenders won't touch.
For Airbnb and VRBO properties, use AirDNA's Rentalizer to get a data-driven income estimate before calculating your DSCR. STR income is harder to verify and varies significantly by market.