DSCR Loans in Kauai County, Hawaii
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 55 lenders made 229 investment-property loans in Kauai County, 9.3% of Hawaii's total. Dominick Prevete arranges DSCR loans across Kauai 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.
Kauai County investor market at a glance
| Statistic | Kauai County | Hawaii | County rank |
|---|---|---|---|
| Investor loans | 229 | 2,466 | 4th of 4 |
| Reporting lenders | 55 | 172 | 4th of 4 |
| Loan volume | $198.9M | $1.64B | 4th of 4 |
| Average loan | $869K | $664K | 1st of 4 |
| Median loan | $665K | $505K | 1st of 4 |
| Purchases | 62.4% | 65.7% | 3rd of 4 |
| Cash-out refinances | 22.7% | 19.5% | 2nd of 4 |
| 2–4 unit properties | 4.4% | 6.0% | 4th of 4 |
| Top five lenders' share | 37.1% | 27.1% | 1st of 4 |
| Reported business-purpose | 74.2% | 77.2% | 3rd of 4 |
Kauai County: closed-end loans on 1–4 unit investment properties. Kauai County's rank is highest first, among Hawaii's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kauai County's investor loans.
What stands out in Kauai County
The median investor loan in Kauai County was $665K, the highest median of Hawaii's 4 counties with published data (statewide: $505K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
4.4% of Kauai County's investor loans financed a 2–4 unit property, the lowest share of Hawaii's 4 counties with published data (statewide: 6.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 37.1% of Kauai County's investor loans, the highest share of Hawaii's 4 counties with published data (statewide: 27.1%).
Five lenders write 37.1% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Kauai County?
At HUD's fair market rent of $2,588 for a 3-bedroom in Kauai 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). Kauai County's median home value is $873,200; at that price the payment is $5,285 a month, so the property would need $5,300 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) | $2,105 / $2,588 / $2,952 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $873,200 |
| Median property taxes and effective rate | $1,866 (0.21% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,285 |
| Rent needed to cover that payment | $5,300 |
| Coverage of a 3-bedroom at fair market rent | 0.49 |
| Highest price a 3-bedroom at fair market rent covers | about $425,000 |
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 Kauai County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kauai County?
The most active investment-property lenders in Kauai County in 2025 HMDA data were HOMEXPRESS MORTGAGE CORP., SECURITYNATIONAL MORTGAGE COMPANY and United Wholesale Mortgage, out of 55 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 and matches each file to the one most likely to fund it.
Kauai County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 229 loans and $198.9M from 55 lenders. HOMEXPRESS MORTGAGE CORP. led Kauai County with 24 loans, 10.5% of the county's total, and the average Kauai County loan of $869K compares with $664K across Hawaii.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| HOMEXPRESS MORTGAGE CORP. | 24 | $11.4M | $475K | 75.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 22 | $9.4M | $426K | 68.2% |
| United Wholesale Mortgage | 14 | $18.3M | $1304K | 71.4% |
| GUARANTEED RATE, INC. | 13 | $10.7M | $823K | 84.6% |
| First Hawaiian Bank | 12 | $8.2M | $684K | 91.7% |
| Bank of Hawaii | 10 | $9.4M | $943K | 80.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | $7.1M | $787K | 100.0% |
| THE LOAN STORE, INC. | 9 | $5.3M | $593K | 33.3% |
| NEWREZ LLC | 8 | $6.8M | $844K | 50.0% |
| Citadel Servicing Corporation | 8 | $5.8M | $729K | 75.0% |
| Rocket Mortgage, LLC | 8 | $4.9M | $616K | 75.0% |
| OAKTREE FUNDING CORP. | 7 | $7.0M | $1006K | 0.0% |
| Logan Finance Corporation | 5 | $6.2M | $1243K | 20.0% |
| NEXERA HOLDING LLC | 5 | $5.2M | $1035K | 60.0% |
| Hometown Equity Mortgage, LLC | 4 | $3.0M | $750K | 50.0% |
| LENDSURE MORTGAGE CORP. | 4 | $1.8M | $445K | 25.0% |
| KIND LENDING, LLC | 4 | $1.6M | $395K | 50.0% |
| OCMBC, INC. | 3 | $3.6M | $1192K | 66.7% |
| FOUNDATION MORTGAGE CORPORATION | 3 | $3.4M | $1145K | 66.7% |
| FUNDLOANS CAPITAL | 3 | $3.0M | $1002K | 0.0% |
| CONVENTUS LLC | 3 | $2.6M | $878K | 100.0% |
| U.S. Bank National Association | 3 | $2.6M | $868K | 33.3% |
| Commerce Home Mortgage, Inc. | 3 | $1.6M | $545K | 33.3% |
| ARC HOME LLC | 3 | $1.6M | $542K | 100.0% |
| Churchill Funding I LLC | 2 | $9.7M | $4825K | 50.0% |
37 Hawaii loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kauai County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Kauai County CSV, all 25 lenders
What Kauai County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kauai County's fix-and-flip and bridge lenders barely appear among its 55 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 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 Kauai County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Kauai County |
|---|---|---|---|
| Honolulu County, HI | 1,242 | 128 | About 105 miles away |
| Maui County, HI | 360 | 83 | About 215 miles away |
Run the coverage test on your Kauai County, Hawaii deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kauai 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 — Kauai County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 55 lenders and 229 loans: 2025 HMDA loan-level data rolled up to Kauai County.
- Kauai County investor-lender dataset (CSV) — All 25 lenders in the Kauai County, Hawaii table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kauai 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 Kauai County, HI.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kauai 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.