Free STR Deal Screener — Is This Airbnb Deal Bankable? (Excel + Google Sheets)

Before you make an offer on a short-term rental, run it through the bank's math.

This free one-sheet screener gives you the two numbers a DSCR lender looks at first — and a clear verdict — without building a spreadsheet from scratch.

Type your numbers in the yellow cells, read the result:

• DSCR — debt service coverage, measured against the 1.25x floor most lenders require
• Cash-on-cash return on your real cash in
• Net Operating Income & annual cash flow after debt
• Instant verdict: BANKABLE, or BELOW 1.25x — RENEGOTIATE

How it's built: one clean sheet, Excel or Google Sheets (no macros, no add-ins, no links). Every formula is machine-verified by three independent engines before release.

Need the full picture? This is the free, one-screen edition. The complete Short-Term Rental Acquisition & Underwriting Model adds month-by-month 5-year projections with seasonality, IRR, equity multiple, exit scenarios, two-way sensitivity tables, an investor dashboard, and a 13-page guide with sourced benchmarks.

Educational planning tool — not financial, investment or legal advice. Verify your market data and consult your professionals before purchasing real estate.