Est. $4,205/mo principal & interest on a $624,137 loan (75% LTV) at 7.125%, today's published DSCR sample rate (August 17, 2026). Taxes, insurance, and HOA aren't included, so lender-calculated DSCR will run lower. Source data and methodology: the full 50-state study.
What is a DSCR loan?
A DSCR (debt-service coverage ratio) loan is a rental property mortgage that qualifies you on the property's rent versus its payment — not your personal income, tax returns, or employment history. It's built for real estate investors buying in Hawaii and anywhere else in the U.S.
Hawaii DSCR loan FAQ
What is a DSCR loan in Hawaii?+
A DSCR (debt-service coverage ratio) loan qualifies you on the rental property's cash flow instead of your personal income or tax returns. Lenders compare the property's monthly rent to its monthly payment — no W-2s, pay stubs, or employment verification required.
Does rent cover the payment on a typical Hawaii rental?+
On a median-value Hawaii home at 75% LTV, the typical rent in Urban Honolulu, HI is $2,980/month against an estimated principal-and-interest payment of $4,205 — a 0.71x coverage ratio. That means the median deal doesn't fully cover the payment; taxes, insurance, and HOA aren't included, so lender-calculated DSCR will run lower. Actual coverage depends on your specific property and rent.
What credit score do I need for a DSCR loan in Hawaii?+
Most DSCR lenders look for a 640+ credit score, though pricing improves at 700+. Because approval is driven by the property's cash flow, a lower DSCR ratio can sometimes be offset with stronger credit or a larger down payment.
How much down payment does a Hawaii DSCR loan require?+
Typical DSCR down payments run 20–25% (75–80% LTV) for single-family and small multifamily rentals. The figures on this page assume 75% LTV. Lower LTV usually means easier qualification and better pricing.
Can I use a DSCR loan for a short-term rental in Hawaii?+
Many DSCR programs allow short-term and mid-term rental income (using projected or market rent) in addition to standard long-term leases, though overlays vary by lender and by Hawaii market. Bring your specific property and we'll match it to a program.