Dominion Financial Services for Hawaii investors
Dominion Financial Services is an established lender with comfort on distressed properties and flexibility on borrower credit profiles.
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 Dominion Financial Services positions in Hawaii
For Hawaii specifically, Dominion Financial Services fits investors who match the hard money approach. The low cash flow profile of Hawaii aggregate makes it workable for Dominion Financial Services.
City-level coverage in Hawaii
Dominion Financial Services provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Dominion Financial Services 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, bridge, rental |
| Loan size | $50K - $5.0M |
| Rates | 9.5%-12.5% |
| Points | 1.5 - 4 |
| Max LTV | 75% of ARV |
| Term lengths | 6-18 months |
| Typical close time | 7-14 days typical |
| Hawaii property tax | 0.3% |
| Hawaii state income tax | 11% |
Dominion Financial Services strengths in Hawaii
- experienced underwriting
- distressed property comfort
- flexible on credit
Ideal borrower: Investor on distressed deals or with credit hair
FAQ
Yes, operates nationally including Hawaii. Dominion Financial Services is based in Baltimore, MD and operates nationally.
Honolulu is the top investor market in Hawaii and falls within Dominion Financial Services national coverage. Honolulu property tax follows the Hawaii state rate of 0.3 percent. Dominion Financial Services typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from Dominion Financial Services. Submarket variation within Hilo matters for property selection.
Dominion Financial Services 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 Dominion Financial Services program.
Dominion Financial Services indicative DSCR rate range is 9.5 to 12.5 percent with 1.5 to 4 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. Dominion Financial Services follows standard business-purpose loan structures.
Dominion Financial Services funds fix-and-flip, bridge, rental in Hawaii.
Hawaii allows standard DSCR prepay structures; Dominion Financial Services typically uses 3-5 year step down.
Dominion Financial Services typical close: 7-14 days typical.
Bottom line
Hawaii investors considering Dominion Financial Services should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Dominion Financial Services.