Living index
Today’s STR DSCR loan rates
Indicative short-term-rental DSCR rates by credit band, with the STR overlay over standard DSCR at 70–75% LTV. A living index — figures render from the rate API and are estimates, not a commitment to lend.
Last updated 2026-06-13 · STR DSCR Rate Index
| Credit band | Standard DSCR | STR overlay | STR DSCR rate |
|---|---|---|---|
| 760+ | 7.1% | +0.6% | 7.7% |
| 740-759 | 7.25% | +0.6% | 7.85% |
| 720-739 | 7.55% | +0.6% | 8.15% |
| 700-719 | 7.85% | +0.6% | 8.45% |
| 680-699 | 8.35% | +0.6% | 8.95% |
| 660-679 | 8.95% | +0.6% | 9.55% |
Methodology: rates are indicative medians at 75% LTV by credit band; the STR overlay is the premium over a comparable standard-DSCR loan. Your actual rate depends on the property, cap-adjusted DSCR, reserves, and the lender. Not a commitment to lend.
FAQ
STR rate questions
Why are STR DSCR rates higher than standard DSCR?
Short-term-rental income is variable and occupancy-driven, so lenders price an overlay over standard DSCR — currently about 0.6% on the STR DSCR Rate Index. Stronger credit and a higher cap-adjusted DSCR reduce the spread.
What LTV can I get on an STR DSCR loan?
Most programs cap at 70–75% LTV (25–30% down). A stronger DSCR and credit band can unlock the higher-LTV tier.
What DSCR do STR lenders require?
Most set a floor around 1.0 on the cap-adjusted DSCR (revenue ÷ PITIA). Some offer no-ratio or sub-1.0 STR programs at a premium for thinner deals. The engine shows your ratio against each lender’s specific floor.
Can I get a DSCR loan on an Airbnb with no rental history?
Yes. 9 of the 10 STR lenders we track qualify the loan on a market revenue projection (AirDNA/Rabbu) or an appraiser’s Form 1007 short-term-rent schedule, so no operating history is required for many programs.
How does STR insurance affect my DSCR?
STR carriers price coverage materially higher than a standard landlord policy, so we model insurance higher than a long-term rental inside PITIA. That extra cost is a real DSCR haircut most pro-formas miss — the engine bakes it in.
See your rate band against your cap-adjusted DSCR.
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