DSCR Loans in Maui 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, 83 lenders made 360 investment-property loans in Maui County, 14.6% of Hawaii's total. Dominick Prevete arranges DSCR loans across Maui 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 $555,000.
Maui County investor market at a glance
| Statistic | Maui County | Hawaii | County rank |
|---|---|---|---|
| Investor loans | 360 | 2,466 | 3rd of 4 |
| Reporting lenders | 83 | 172 | 3rd of 4 |
| Loan volume | $286.5M | $1.64B | 3rd of 4 |
| Average loan | $796K | $664K | 2nd of 4 |
| Median loan | $610K | $505K | 2nd of 4 |
| Purchases | 59.2% | 65.7% | 4th of 4 |
| Cash-out refinances | 28.9% | 19.5% | 1st of 4 |
| 2–4 unit properties | 6.4% | 6.0% | 2nd of 4 |
| Top five lenders' share | 31.7% | 27.1% | 4th of 4 |
| Reported business-purpose | 80.0% | 77.2% | 2nd of 4 |
Maui County: closed-end loans on 1–4 unit investment properties. Maui County's rank is highest first, among Hawaii's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Maui County's investor loans.
What stands out in Maui County
28.9% of Maui County's investor loans were cash-out refinances, the highest share of Hawaii's 4 counties with published data (statewide: 19.5%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
59.2% of Maui County's investor loans were purchases, the lowest share of Hawaii's 4 counties with published data (statewide: 65.7%).
Refinances are a larger share here than in most of Hawaii. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 31.7% of Maui County's investor loans, the lowest share of Hawaii's 4 counties with published data (statewide: 27.1%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Maui County?
At HUD's fair market rent of $3,351 for a 3-bedroom in Maui County, Hawaii, a rental covers its full DSCR payment up to a purchase price of about $555,000, with 20% down at the 7.25% starting rate (November 2026). Maui County's median home value is $904,700; at that price the payment is $5,436 a month, so the property would need $5,450 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) | $2,656 / $3,351 / $4,143 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $904,700 |
| Median property taxes and effective rate | $1,466 (0.16% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,436 |
| Rent needed to cover that payment | $5,450 |
| Coverage of a 3-bedroom at fair market rent | 0.62 |
| Highest price a 3-bedroom at fair market rent covers | about $555,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $880,000 |
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 Maui County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Maui County?
The most active investment-property lenders in Maui County in 2025 HMDA data were HOMEXPRESS MORTGAGE CORP., Northpointe Bank and Citadel Servicing Corporation, out of 83 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 Maui County, and matches each file to the one most likely to fund it.
Maui County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 360 loans and $286.5M from 83 lenders. HOMEXPRESS MORTGAGE CORP. led Maui County with 29 loans, 8.1% of the county's total, and the average Maui County loan of $796K compares with $664K across Hawaii.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| HOMEXPRESS MORTGAGE CORP. | 29 | $20.7M | $712K | 44.8% |
| Northpointe Bank | 25 | $17.5M | $700K | 84.0% |
| Citadel Servicing Corporation | 24 | $14.9M | $620K | 58.3% |
| Bank of Hawaii | 22 | $13.4M | $610K | 90.9% |
| First Hawaiian Bank | 14 | $10.2M | $725K | 71.4% |
| NEXERA HOLDING LLC | 13 | $9.7M | $743K | 76.9% |
| American Savings Bank, FSB | 13 | $8.6M | $661K | 76.9% |
| NEWREZ LLC | 13 | $8.4M | $647K | 61.5% |
| CONVENTUS LLC | 11 | $8.3M | $751K | 72.7% |
| GUARANTEED RATE, INC. | 10 | $8.2M | $819K | 80.0% |
| Hometown Equity Mortgage, LLC | 9 | $5.9M | $651K | 44.4% |
| THE LOAN STORE, INC. | 8 | $6.0M | $744K | 25.0% |
| Rocket Mortgage, LLC | 8 | $5.9M | $735K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $5.4M | $902K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | $5.3M | $885K | 50.0% |
| KIND LENDING, LLC | 6 | $4.8M | $798K | 83.3% |
| Loandepot.Com, LLC | 6 | $4.2M | $697K | 33.3% |
| United Wholesale Mortgage | 6 | $3.7M | $620K | 33.3% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 5 | $5.8M | $1161K | 60.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $3.5M | $705K | 20.0% |
| CHAMPIONS FUNDING, LLC | 5 | $3.4M | $689K | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | $1.8M | $351K | 20.0% |
| ICE LENDER HOLDINGS LLC | 4 | $4.4M | $1110K | 0.0% |
| ARC HOME LLC | 4 | $4.1M | $1030K | 50.0% |
| PACIFIC HOME LOANS, INC. | 4 | $3.9M | $978K | 100.0% |
37 Hawaii loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Maui County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Maui County CSV, all 25 lenders
What Maui County's table can't show you: fit. Short-term financing is exempt from HMDA, so Maui County's fix-and-flip and bridge lenders barely appear among its 83 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 Maui County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Maui County |
|---|---|---|---|
| Honolulu County, HI | 1,242 | 128 | About 110 miles away |
| Hawaii County, HI | 598 | 97 | About 110 miles away |
| Kauai County, HI | 229 | 55 | About 215 miles away |
Run the coverage test on your Maui County, Hawaii deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Maui 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 — Maui County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 83 lenders and 360 loans: 2025 HMDA loan-level data rolled up to Maui County.
- Maui County investor-lender dataset (CSV) — All 25 lenders in the Maui County, Hawaii table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Maui 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 Kahului-Wailuku-Lahaina, HI HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Maui 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.