Long-term rental financing for investment properties across Hawaii — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Hawaii metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Hawaii is a specialty market. STR + LTR mixed strategies work in resort corridors where zoning permits. Constrained land supply supports long-term property values. Military and tourism employment anchors rental demand on Oahu especially.
Hawaii's resort corridors host some of the most active short-term rental markets in the country where zoning permits STR use. Our DSCR program supports STR income scenarios.
Hawaii's islands have inherently constrained developable land supply, which supports long-term property values and rental rates over the hold period.
Tourism-driven employment and consistent military stationing (Pearl Harbor, Schofield, MCB Hawaii) anchor sustained rental demand across Oahu in particular.
Whether you're closing a single-asset SFR in a smaller Hawaii market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Waikiki, Kapolei, Kailua — LTR + STR where zoning permits
Ewa Beach, Waipahu, Kapolei — SFR corridor
Kihei, Lahaina, Wailea — STR + LTR mix
Kona, Hilo, Waikoloa
Lihue, Poipu, Princeville — resort STR corridor
West Oahu resort + LTR mix
Kaneohe, Kailua — premium LTR
Statewide coverage — send us any Hawaii property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Hawaii properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Hawaii — Honolulu (Oahu), West Oahu, Maui, Big Island (Hawaii County), Kauai, and every other HI metro. Rates from 5.75%, up to 80% LTV.
Hawaii DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Hawaii metro. High-volume markets: Honolulu (Oahu), West Oahu, Maui, Big Island (Hawaii County), Kauai. Secondary markets welcome.
Hawaii is a specialty market. STR + LTR mixed strategies work in resort corridors where zoning permits. Constrained land supply supports long-term property values. Military and tourism employment anchors rental demand on Oahu especially.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Hawaii DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Hawaii metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Hawaii builders. 85% land + 85% build. $100K–$7.5M.