Myers Capital Hawaii · Investment property financing
Hawaii DSCR Loans
Financing for income-producing investment properties
Finance income-producing investment properties based on property cash flow rather than personal income, making it easier to acquire, refinance, and scale your rental portfolio.
DSCR loan program highlights
- No personal income verification required
- Up to 80% LTV for purchases
- Up to 75% LTV for cash-out refinances
- Loan Amounts: Up to $3 million
- Eligible properties: Non-owner occupied residential single-family, condos, and multifamily (5+ units)
- Terms: Up to 40 years
- DSCR Ratio: 1.0. Ratios under this are considered on a case-by-case basis.
- Available to entities, including LLCs, corporations, and trusts
Prepare for a DSCR financing discussion
DSCR financing focuses on a property's income in relation to its debt obligations. It answers a different question from an investor's cash-on-cash return, which compares cash income with the cash invested.
For an initial discussion, have the property address and type, purchase or refinance purpose, expected loan amount, rental-income information and ownership structure ready. Ask which income evidence and expense assumptions apply to your property and program.
A property-income review is one part of underwriting; it is not a promise of approval.
Prepare your property information
- Property address and property type
- Purchase or refinance purpose
- Expected loan amount
- Rental-income information
- Ownership structure
Understand the investment alongside the financing
Review the rental-property ROI guide for investment calculations, or contact our team to discuss the transaction.
Looking at a different property or financing strategy?
Explore Condotel financing or return to commercial lending options.