DSCR Loans in Hawaii County, Hawaii
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 97 lenders made 598 investment-property loans in Hawaii County, 24.2% of Hawaii's total. Dominick Prevete arranges DSCR loans across Hawaii County, Hawaii, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $425,000.
Hawaii County investor market at a glance
| Statistic | Hawaii County | Hawaii | County rank |
|---|---|---|---|
| Investor loans | 598 | 2,466 | 2nd of 4 |
| Reporting lenders | 97 | 172 | 2nd of 4 |
| Loan volume | $317.1M | $1.64B | 2nd of 4 |
| Average loan | $530K | $664K | 4th of 4 |
| Median loan | $400K | $505K | 4th of 4 |
| Purchases | 67.4% | 65.7% | 1st of 4 |
| Cash-out refinances | 16.4% | 19.5% | 4th of 4 |
| 2–4 unit properties | 7.2% | 6.0% | 1st of 4 |
| Top five lenders' share | 33.6% | 27.1% | 2nd of 4 |
| Reported business-purpose | 82.1% | 77.2% | 1st of 4 |
Hawaii County: closed-end loans on 1–4 unit investment properties. Hawaii County's rank is highest first, among Hawaii's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hawaii County's investor loans.
What stands out in Hawaii County
By share of investor loans reported as business-purpose, Hawaii County ranks highest of Hawaii's 4 counties with published data (statewide: 77.2%).
82.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
7.2% of Hawaii County's investor loans financed a 2–4 unit property, the highest share of Hawaii's 4 counties with published data (statewide: 6.0%).
2–4 unit properties are a larger share here than in most of Hawaii. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The median investor loan in Hawaii County was $400K, the lowest median of Hawaii's 4 counties with published data (statewide: $505K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Hawaii County?
At HUD's fair market rent of $2,620 for a 3-bedroom in Hawaii County, Hawaii, a rental covers its full DSCR payment up to a purchase price of about $425,000, with 20% down at the 7.25% starting rate (November 2026). Hawaii County's median home value is $519,300; at that price the payment is $3,172 a month, so the property would need $3,175 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,081 / $2,620 / $2,910 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $519,300 |
| Median property taxes and effective rate | $1,459 (0.28% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,172 |
| Rent needed to cover that payment | $3,175 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $425,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $680,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Hawaii County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hawaii County?
The most active investment-property lenders in Hawaii County in 2025 HMDA data were TEMPLE VIEW CAPITAL FUNDING, LP; HOMEXPRESS MORTGAGE CORP.; and NFM, INC., out of 97 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Hawaii County, and matches each file to the one most likely to fund it.
Hawaii County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 598 loans and $317.1M from 97 lenders. TEMPLE VIEW CAPITAL FUNDING, LP led Hawaii County with 78 loans, 13.0% of the county's total, and the average Hawaii County loan of $530K compares with $664K across Hawaii.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| TEMPLE VIEW CAPITAL FUNDING, LP | 78 | $27.1M | $348K | 98.7% |
| HOMEXPRESS MORTGAGE CORP. | 34 | $21.9M | $646K | 55.9% |
| NFM, INC. | 32 | $14.0M | $439K | 96.9% |
| CONVENTUS LLC | 31 | $11.7M | $379K | 19.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 26 | $10.4M | $402K | 61.5% |
| Bank of Hawaii | 25 | $17.0M | $680K | 84.0% |
| United Wholesale Mortgage | 24 | $13.8M | $573K | 70.8% |
| THE LOAN STORE, INC. | 17 | $10.6M | $624K | 70.6% |
| CV3 Financial Services, LLC | 16 | $13.1M | $817K | 81.2% |
| First Hawaiian Bank | 15 | $6.1M | $408K | 60.0% |
| Loan Funder LLC | 15 | $4.5M | $302K | 66.7% |
| GUARANTEED RATE, INC. | 14 | $6.9M | $496K | 64.3% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $6.2M | $477K | 69.2% |
| Citadel Servicing Corporation | 12 | $13.2M | $1100K | 58.3% |
| LENDSURE MORTGAGE CORP. | 12 | $8.0M | $667K | 83.3% |
| GUILD MORTGAGE COMPANY | 11 | $4.4M | $400K | 81.8% |
| Rocket Mortgage, LLC | 10 | $6.6M | $661K | 60.0% |
| CHAMPIONS FUNDING, LLC | 10 | $3.7M | $366K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $3.3M | $332K | 90.0% |
| LENDINGONE, LLC | 9 | $5.8M | $639K | 88.9% |
| KIND LENDING, LLC | 9 | $5.2M | $575K | 55.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | $8.0M | $1136K | 28.6% |
| CMG MORTGAGE, INC. | 7 | $4.4M | $626K | 71.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $3.3M | $548K | 66.7% |
| Commerce Home Mortgage, Inc. | 6 | $3.1M | $518K | 33.3% |
37 Hawaii loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hawaii County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Hawaii County CSV, all 25 lenders
What Hawaii County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hawaii County's fix-and-flip and bridge lenders barely appear among its 97 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Hawaii County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Hawaii County |
|---|---|---|---|
| Maui County, HI | 360 | 83 | About 110 miles away |
| Honolulu County, HI | 1,242 | 128 | About 215 miles away |
Run the coverage test on your Hawaii County, Hawaii deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hawaii County, Hawaii property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Hawaii County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 97 lenders and 598 loans: 2025 HMDA loan-level data rolled up to Hawaii County.
- Hawaii County investor-lender dataset (CSV) — All 25 lenders in the Hawaii County, Hawaii table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hawaii County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Hawaii County, HI.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hawaii County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.