DSCR Loans in Honolulu 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, 128 lenders made 1,242 investment-property loans in Honolulu County, 50.4% of Hawaii's total. Dominick Prevete arranges DSCR loans across Honolulu 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 $575,000.
Honolulu County investor market at a glance
| Statistic | Honolulu County | Hawaii | County rank |
|---|---|---|---|
| Investor loans | 1,242 | 2,466 | 1st of 4 |
| Reporting lenders | 128 | 172 | 1st of 4 |
| Loan volume | $782.4M | $1.64B | 1st of 4 |
| Average loan | $630K | $664K | 3rd of 4 |
| Median loan | $505K | $505K | 3rd of 4 |
| Purchases | 67.3% | 65.7% | 2nd of 4 |
| Cash-out refinances | 17.6% | 19.5% | 3rd of 4 |
| 2–4 unit properties | 5.4% | 6.0% | 3rd of 4 |
| Top five lenders' share | 33.0% | 27.1% | 3rd of 4 |
| Reported business-purpose | 73.9% | 77.2% | 4th of 4 |
Honolulu County: closed-end loans on 1–4 unit investment properties. Honolulu County's rank is highest first, among Hawaii's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Honolulu County's investor loans.
What stands out in Honolulu County
73.9% of Honolulu County's investor loans were reported as business-purpose, the lowest share of Hawaii's 4 counties with published data (statewide: 77.2%).
Fewer investor loans here were reported as business-purpose than in most of Hawaii. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Honolulu County's 1,242 investor loans ranked 1st of Hawaii's 4 counties with published data.
Does a DSCR loan pencil in Honolulu County?
At HUD's fair market rent of $3,520 for a 3-bedroom in Honolulu County, Hawaii, a rental covers its full DSCR payment up to a purchase price of about $575,000, with 20% down at the 7.25% starting rate (November 2026). Honolulu County's median home value is $897,500; at that price the payment is $5,485 a month, so the property would need $5,500 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) | $2,542 / $3,520 / $4,249 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $897,500 |
| Median property taxes and effective rate | $2,553 (0.28% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,485 |
| Rent needed to cover that payment | $5,500 |
| Coverage of a 3-bedroom at fair market rent | 0.64 |
| Highest price a 3-bedroom at fair market rent covers | about $575,000 |
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 Honolulu County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Honolulu County?
The most active investment-property lenders in Honolulu County in 2025 HMDA data were Citadel Servicing Corporation, Bank of Hawaii and CONVENTUS LLC, out of 128 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 one that reported in Honolulu County, and matches each file to the one most likely to fund it.
Honolulu County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,242 loans and $782.4M from 128 lenders. Citadel Servicing Corporation led Honolulu County with 113 loans, 9.1% of the county's total, and the average Honolulu County loan of $630K compares with $664K across Hawaii.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Citadel Servicing Corporation | 113 | $49.4M | $437K | 67.3% |
| Bank of Hawaii | 96 | $55.6M | $579K | 91.7% |
| CONVENTUS LLC | 88 | $73.7M | $837K | 75.0% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 61 | $39.3M | $645K | 70.5% |
| First Hawaiian Bank | 52 | $31.0M | $597K | 75.0% |
| American Savings Bank, FSB | 52 | $26.4M | $508K | 78.8% |
| THE LOAN STORE, INC. | 51 | $30.3M | $594K | 58.8% |
| HOMEXPRESS MORTGAGE CORP. | 43 | $22.7M | $527K | 74.4% |
| Central Pacific Bank | 37 | $17.5M | $474K | 86.5% |
| Rocket Mortgage, LLC | 36 | $17.6M | $489K | 38.9% |
| United Wholesale Mortgage | 34 | $18.4M | $541K | 58.8% |
| CMG MORTGAGE, INC. | 26 | $12.8M | $491K | 69.2% |
| CV3 Financial Services, LLC | 22 | $17.6M | $802K | 86.4% |
| PENNYMAC LOAN SERVICES, LLC | 20 | $13.8M | $690K | 70.0% |
| CHAMPIONS FUNDING, LLC | 19 | $12.9M | $678K | 63.2% |
| Easy Street Capital, LLC | 19 | $12.0M | $631K | 0.0% |
| General Mortgage Capital Corporation | 18 | $14.0M | $780K | 83.3% |
| Loan Funder LLC | 18 | $11.4M | $632K | 100.0% |
| Commerce Home Mortgage, Inc. | 15 | $10.8M | $723K | 40.0% |
| NEWREZ LLC | 15 | $9.4M | $629K | 73.3% |
| GUILD MORTGAGE COMPANY | 15 | $7.9M | $525K | 80.0% |
| GUARANTEED RATE, INC. | 14 | $12.8M | $911K | 78.6% |
| DEEPHAVEN MORTGAGE LLC | 14 | $9.5M | $676K | 28.6% |
| Hometown Equity Mortgage, LLC | 14 | $7.3M | $522K | 71.4% |
| AAA CAPITAL INVESTMENT, INC. | 13 | $11.1M | $854K | 61.5% |
37 Hawaii loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Honolulu County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Honolulu County CSV, all 25 lenders
What Honolulu County's table can't show you: fit. Short-term financing is exempt from HMDA, so Honolulu County's fix-and-flip and bridge lenders barely appear among its 128 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 Honolulu County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Honolulu County |
|---|---|---|---|
| Kauai County, HI | 229 | 55 | About 105 miles away |
| Maui County, HI | 360 | 83 | About 110 miles away |
| Hawaii County, HI | 598 | 97 | About 215 miles away |
Run the coverage test on your Honolulu County, Hawaii deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Honolulu 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 — Honolulu County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 128 lenders and 1,242 loans: 2025 HMDA loan-level data rolled up to Honolulu County.
- Honolulu County investor-lender dataset (CSV) — All 25 lenders in the Honolulu County, Hawaii table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Honolulu 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 Urban Honolulu, HI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Honolulu 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.