Which properties qualify for refinance. Which need rate-shopping. DSCR (Debt Service Coverage Ratio) tracker for Airbnb / STR portfolios. Per-property + portfolio rollup with sensitivity analysis. Excel + Google Sheets. DSCR loans don’t care about your W-2. They care about whether the property covers its own debt. Most lenders require DSCR ≥ 1.20 to qualify, and they rate-shop you DOWN if you’re at 1.50+. Most STR portfolio operators don’t know their per-property DSCR off the top of their head — let alone portfolio-wide. This workbook computes DSCR per property + portfolio-wide, color-codes by threshold, and surfaces which properties qualify for refinance, which need rate-shopping, and which are at-risk if occupancy drops 10%. Plus a loan-shopping comparison tab when you’re ready to refinance. WHAT’S INCLUDED 📋 Per-Property DSCR — color-coded green / yellow / red 📋 Portfolio-Wide DSCR — what your overall lender sees 📋 Refinance-Eligible List — properties at ≥1.25 + 24+ months seasoned 📋 10% Sensitivity — re-runs DSCR with revenue × 0.90; flags exposed properties 📋 Loan-Shopping Comparison — 3 lenders side-by-side: rate, term, points, prepay, 5-yr cost 📋 DSCR Lender Print — single-page summary for your loan officer
Related
- BRRRR-to-STR Refi Math
- 3-Property Side-by-Side Comparison
- STR vs LTR Yield Comparison
- Corporate Housing / Travel-Nurse Tracker
- Rental Arbitrage Analyzer
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Format: Excel .xlsx + how-to PDF. Excel 2016+, Excel 365, Google Sheets compatible. Instant download after checkout. 14-day refund, no questions. Lifetime updates within v1.