Calculator

STR DSCR Estimator — ADR/occupancy + haircut; lender DSCR and cash flow side by side

Engine A STR mode. ADR × occupancy or trailing-twelve actuals. Editable lender haircut (default ~75%). Lender DSCR next to full-income cash flow. Purchase and refinance. PITIA path — not commercial NOI. Rate and haircut are your estimates — not GI quotes. Not a credit decision.

Deal

Purchase or refinance

Purchase priceBusiness-purpose / non-owner-occupied only.

Down payment

Down %

STR income

Income method

Average daily rate (ADR)Nightly rate you can defend. Not scraped from a listing site.

Occupancy chips

Educational. Edit the field. Not a GI quote.

Occupancy (%)

Gross monthly $0.00 · lender income $0.00 after haircut

Lender haircut

Educational haircut chips

Typical illustration ~75%. Edit any field. Not GI policy.

Lender haircut (%)Share of gross the worksheet treats as qualifying income.

Financing estimate

Interest rate estimate (%)Your number — not a quote from this desk and not a lock.

Payment

Term (years)

Taxes, insurance, HOA

Taxes

Cadence

Insurance

Cadence

HOA

Cadence

Investor expenses (optional)

Display-only. These do not change lender DSCR.

Vacancy %Maint %PM %

Results appear here

Still need price or value, down or loan, STR income, rate estimate. No email wall. Assumptions are yours — not GI quotes. Nothing here is a credit decision.

Business Purpose / No Owner Occupied. Haircut, rate, and occupancy are your assumptions — not GI quotes. Not a credit decision. When the structure is worth thirty minutes, book the call.