MoFin Lending for Hawaii investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
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 MoFin Lending positions in Hawaii
Hawaii is well covered by national DSCR lenders, with MoFin Lending as one option. Where MoFin Lending differentiates: Licensed in 34 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Hawaii
MoFin Lending provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 |
| Loan size | $150K - — |
| 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% |
MoFin Lending strengths in Hawaii
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Hawaii. MoFin Lending is based in an undisclosed location and operates nationally.
Honolulu is the top investor market in Hawaii and falls within MoFin Lending national coverage. Honolulu property tax follows the Hawaii state rate of 0.3 percent. MoFin Lending typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Hilo matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Hawaii.
Hawaii allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
For Hawaii DSCR borrowers, MoFin Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.