Mortgage Capital Funding for Hawaii investors
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage 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 Mortgage Capital Funding positions in Hawaii
For Hawaii specifically, Mortgage Capital Funding fits investors who match the hard money approach. The low cash flow profile of Hawaii aggregate makes it workable for Mortgage Capital Funding.
City-level coverage in Hawaii
Mortgage Capital Funding provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Mortgage Capital Funding 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 - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Hawaii property tax | 0.3% |
| Hawaii state income tax | 11% |
Mortgage Capital Funding strengths in Hawaii
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower: Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
FAQ
Likely; verify direct Hawaii coverage. Mortgage Capital Funding is based in an undisclosed location and operates in states not publicly disclosed.
Honolulu is the top investor market in Hawaii and is generally within Mortgage Capital Funding states not publicly disclosed footprint. Honolulu property tax follows the Hawaii state rate of 0.3 percent. Mortgage Capital Funding typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from Mortgage Capital Funding. Submarket variation within Hilo matters for property selection.
Mortgage Capital Funding 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 Mortgage Capital Funding program.
Mortgage Capital Funding 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. Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Hawaii.
Hawaii allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
For Hawaii DSCR borrowers, Mortgage Capital Funding is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding.