DSCR Loans in Honolulu, HI
Find lenders offering dscr loans in the Honolulu, including Pearl City, Kailua, Kapolei, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Honolulu
42 lenders offering dscr loans in the Honolulu, HI area.
Aloha Capital
LocalHI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Honolulu Commercial Real Estate Market
Honolulu's commercial real estate market operates under extreme land constraints — Oahu's geography limits developable land to a narrow coastal strip, creating some of the highest commercial property values per square foot in the nation. The primary office market concentrates in the Downtown/Capitol District and Ala Moana areas, while Kakaako has become the focus of major mixed-use high-rise development under the Hawaii Community Development Authority's master plan. Ward Village, developed by Howard Hughes Holdings, represents one of the largest master-planned urban communities in the state, blending retail, residential, and commercial space along the waterfront. The Honolulu Rail Transit project (Skyline) connecting East Kapolei to Ala Moana is reshaping development patterns along the 20-mile corridor, with transit-oriented development sites creating new CRE opportunities in Aiea, Pearl City, and Waipahu.
Key Economic Drivers
- ●Waikiki and Ala Moana hospitality and luxury retail CRE driven by Pacific Rim tourism
- ●Joint Base Pearl Harbor-Hickam and Schofield Barracks military spending
- ●Kakaako and Ward Village master-planned mixed-use development
- ●Skyline rail transit corridor spurring transit-oriented development in West Oahu
Market Insight
A significant share of Honolulu's commercial properties are held under long-term ground leases from large landowners like Kamehameha Schools and the Queen's Estate, and financing leasehold commercial property requires lender familiarity with Hawaii's unique tenure structure — lease renegotiation risk can materially impact valuations.
DSCR Loans in Honolulu, Hawaii
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Honolulu metro area, borrowers can access 42 lenders offering DSCR financing, including Pearl City, Kailua, Kapolei, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
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