Anchor Loans for Hawaii investors
Anchor Loans is one of the oldest national hard money lenders. Long track record across multiple market cycles.
Hawaii context
Hawaii lowest property tax rate but highest acquisition prices. DSCR economics challenging. STR heavily restricted on Oahu and Maui. Foreign national investor activity strong.
How Anchor Loans positions in Hawaii
Hawaii is well covered by national DSCR lenders, with Anchor Loans as one option. Where Anchor Loans differentiates: oldest national hard money lender. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Hawaii
Anchor Loans provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Anchor Loans program terms apply uniformly across Hawaii metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge |
| Loan size | $100K - $5.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 6-24 months |
| Typical close time | 10-21 days typical |
| Hawaii property tax | 0.3% |
| Hawaii state income tax | 11% |
Anchor Loans strengths in Hawaii
- oldest national hard money lender
- experienced underwriting
- high-volume capacity
Ideal borrower: Experienced investor with track record
FAQ
Yes, operates nationally including Hawaii. Anchor Loans is based in Calabasas, CA and operates nationally.
Honolulu is the top investor market in Hawaii and falls within Anchor Loans national coverage. Honolulu property tax follows the Hawaii state rate of 0.3 percent. Anchor Loans typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from Anchor Loans. Submarket variation within Hilo matters for property selection.
Anchor Loans applies the same rate sheet across Hawaii metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Honolulu, Hilo, and Hawaii all qualify for the same Anchor Loans program.
Anchor Loans indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Hawaii lowest property tax rate but highest acquisition prices. DSCR economics challenging. STR heavily restricted on Oahu and Maui. Foreign national investor activity strong. Anchor Loans follows standard business-purpose loan structures.
Anchor Loans funds fix-and-flip, BRRRR, rental, bridge in Hawaii.
Hawaii allows standard DSCR prepay structures; Anchor Loans typically uses 3-5 year step down.
Anchor Loans typical close: 10-21 days typical.
Bottom line
For Hawaii DSCR borrowers, Anchor Loans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Anchor Loans.