Private Money Hawaii
Free Hawaii DSCR Calculator: Calculate Debt Service Coverage Ratio for Hawaiian Real Estate Investment Loans
Calculate Your DSCR for Hawaii Investment Properties – Determine Loan Qualification in Seconds
Are you a Hawaii real estate investor looking to qualify for DSCR loans on Oahu, Maui, Big Island, or Kauai properties? Our free Hawaii Debt Service Coverage Ratio (DSCR) calculator helps you instantly determine if your Hawaiian investment property generates enough income to cover debt payments and qualify for financing in Hawaii’s unique real estate market.
Calculate for Hawaii Properties:
- Exact DSCR ratio for Hawaii loan qualification
- Monthly and annual cash flow for Hawaiian rentals
- Cash-on-cash return on Hawaii real estate investments
- Loan-to-value (LTV) ratios for Hawaii properties
- PITIA breakdown including Hawaii property taxes
DSCR Calculator: Debt Service Coverage Ratio
Loan Type
30-Year Amortization
5-10 Year IO Period
Property Information
Monthly Income
Loan Terms
Monthly Expenses (PITIA)
💡 DSCR Calculator Tips:
- DSCR ≥ 1.25: Is considered a great return, and most lenders will offer more favorable terms
- DSCR = 1.0: Typical ratio most lenders want to see for standard DSCR rates
- DSCR < 1.0: Property will lose money monthly. Some lenders will not lend if the ratio is below 1 while others offer worse terms.
- Higher DSCR: Better loan terms and easier approval
- Vacant Properties: Many lenders use 90% of appraised rent
Offering Rates Starts at 9%
Ready for a Honolulu Hard Money Loan? Fast, Flexible Financing Across Hawaii
Act Fast with a Trusted Local Partner
Secure funding in as little as 7–14 days. No bank delays—just Honolulu hard money loans designed for investors who need speed and certainty.
Tailored Loan Programs
From fix-and-flip loans in Oʻahu to bridge loans in Honolulu, DSCR rental financing, and construction loans across Hawaii, we customize terms around your project’s needs. With interest-only payment options, LTV up to 70%, and clear origination fees, you’ll have flexible funding that works for you.
Local Expertise You Can Trust
Led by veteran lender David Ige, with nearly 30 years of experience funding Hawaii investment property loans, we combine deep local insight with transparent terms to help investors succeed.
Private Money Hawaii
Address: 411 Hobron Ln #3912, Honolulu, HI 96815
Call: +1(808) 753-1204
Email: funding@privatemoneyhawaii.com