HAWAII (HI) WHOLESALE UNDERWRITING DESK · 1 MAJOR CITIES (50,000+ POP)

Hawaii DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans

Hawaii (HI) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Hawaii utilize Judicial (Primary) / Non-Judicial Statutory security instruments, with an average non-homestead effective property tax rate of 0.31%, a median 1–4 unit investment home price of $795,000 (median rent $5,150/mo), and 5+ unit multifamily market rents averaging $2,750/door. Arranged by Loan Daddy LLC (NMLS #2827624).

SECURITY INSTRUMENT

Judicial (Primary) / Non-Judicial Statutory

EFFECTIVE PROPERTY TAX

0.31% Avg ($205/mo)

MEDIAN 1–4 UNIT PRICE & RENT

$795,000 · $5,150/mo

5+ UNIT MULTIFAMILY RENT

$2,750/door/mo

Hawaii Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $795,000·Loan/Door: $596,250·Avg Rent/Door: $5,150/mo

Property Value / Purchase Price$795,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR AirDNA)$5,150/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 120 bps · 7500 bps LTV · 6625 bps Rate

1.20x

Standard Multifamily / DSCR Pass (1.15x–1.24x)

Loan Amount (75% LTV)$596,25059,625,000 _cents

Monthly P&I Debt Service$3,818/mo@ 6.625% Note Rate

Total Monthly PITIA$4,302/moTax: $205 · Ins: $278

Net Monthly Cash Flow+$848/mo$10,182/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$4,302/mo	1.20x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$4,401/mo	1.17x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$3,962/mo	1.30x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Hawaii Cities with Population ≥ 50,000 (1 Market)

Click any Hawaii city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:

City (HI)	County	2026 Est. Pop	Effective Tax Rate	Median 1–4 Unit Price	Median Monthly Rent	5+ Unit Rent/Door
Honolulu, HI →	HONOLULU County County	379,194	0.29%	$815,000	$5,350/mo	$2,850/door

All 10 Loan Programs & 6 Unit Tiers in Hawaii

DSCR Loans in HI →Hard Money Loans in HI →Private Money Loans in HI →Fix & Flip Loans in HI →Bridge Loans in HI →Ground-Up Construction in HI →Multifamily (5+ Units) in HI →Commercial Property in HI →Rehab & BRRRR Loans in HI →Cash-Out Refinance in HI →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)