Conventus for Hawaii investors
Conventus is a direct DSCR lender with a short-term rental underwriting focus, licensed in California plus 44 other states (45 total). The company does not publish minimum credit score, DSCR, loan size, or rate figures in the sources reviewed; borrowers should request current terms directly.
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 Conventus positions in Hawaii
Hawaii is well covered by national DSCR lenders, with Conventus as one option. Where Conventus differentiates: Short-term rental DSCR underwriting focus. Where it competes: rates not publicly published against peer programs.
City-level coverage in Hawaii
Conventus provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Conventus program terms apply uniformly across Hawaii metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR, STR DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Hawaii property tax | 0.3% |
| Hawaii state income tax | 11% |
Conventus strengths in Hawaii
- Short-term rental DSCR underwriting focus
- Direct lender
- Licensed in California plus 44 other states (45 total)
Ideal borrower: Short-term rental investor seeking a DSCR lender that specializes in STR underwriting.
FAQ
Yes, operates nationally including Hawaii. Conventus is based in an undisclosed location and operates nationally.
Honolulu is the top investor market in Hawaii and falls within Conventus national coverage. Honolulu property tax follows the Hawaii state rate of 0.3 percent. Conventus typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from Conventus. Submarket variation within Hilo matters for property selection.
Conventus 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 Conventus program.
Conventus does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Hawaii lowest property tax rate but highest acquisition prices. DSCR economics challenging. STR heavily restricted on Oahu and Maui. Foreign national investor activity strong. Conventus follows standard business-purpose loan structures.
Conventus funds rental DSCR, STR DSCR in Hawaii.
Hawaii allows standard DSCR prepay structures; Conventus typically uses 3-5 year step down.
Conventus typical close: Not publicly published.
Bottom line
Conventus in Hawaii works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Conventus.