Lendai Finance for Hawaii investors
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
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 Lendai Finance positions in Hawaii
Within Hawaii, Lendai Finance competes alongside other DSCR lenders. Lendai Finance strengths: foreign-national DSCR specialist, experienced cross-border underwriting. The low aggregate DSCR economics of Hawaii create demand for Lendai Finance programs in Honolulu and Hilo particularly.
City-level coverage in Hawaii
Lendai Finance provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lendai Finance 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, foreign-national |
| Loan size | $75K - $3.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Hawaii property tax | 0.3% |
| Hawaii state income tax | 11% |
Lendai Finance strengths in Hawaii
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower: Foreign-national investor or LLC-wrapped investor
FAQ
Yes, operates nationally including Hawaii. Lendai Finance is based in New York, NY and operates nationally.
Honolulu is the top investor market in Hawaii and falls within Lendai Finance national coverage. Honolulu property tax follows the Hawaii state rate of 0.3 percent. Lendai Finance typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from Lendai Finance. Submarket variation within Hilo matters for property selection.
Lendai Finance 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 Lendai Finance program.
Lendai Finance 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. Lendai Finance follows standard business-purpose loan structures.
Lendai Finance funds fix-and-flip, BRRRR, rental, bridge, foreign-national in Hawaii.
Hawaii allows standard DSCR prepay structures; Lendai Finance typically uses 3-5 year step down.
Lendai Finance typical close: 14-21 days typical.
Bottom line
Lendai Finance 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 Lendai Finance.