Hawaii DSCR Loan Calculator
Screen a Hawaii rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Hawaii; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Hawaii DSCR assumptions
The calculator seeds Hawaii with a starting property value of $770,000.00, starting rent of $2,000.00, annual property tax based on a 0.29% effective rate, and estimated annual insurance of $2,811.00.
STR note: Hawaii has some of the most restrictive STR laws in the U.S. Maui County has banned most new non-hosted STRs in residential zones. Oahu requires owner-occupancy in most residential zones for STRs. Kauai has very limited STR permitting. STR restrictions are actively being tightened across all counties — critical to verify before any STR investment. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Honolulu/Oahu (most liquid, most diverse economy). Maui County (tourism-driven, STR premium — but increasingly restricted). Big Island/Hawaii County (most affordable entry, geothermal/volcano risk in some areas). Kauai (premium vacation market, extremely supply-constrained).
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