New Silver for Hawaii investors
New Silver is a tech-forward non-QM lender with fast underwriting and accessible minimum loan sizes that suit newer investors.
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 New Silver positions in Hawaii
The Hawaii lender pool for DSCR includes New Silver among the active platforms. Hawaii top metros (Honolulu, Hilo, Hawaii) see meaningful New Silver loan volume.
City-level coverage in Hawaii
New Silver provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. New Silver 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 |
| Loan size | $100K - $3.0M |
| Rates | 9.5%-11.75% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 5-14 days typical |
| Hawaii property tax | 0.3% |
| Hawaii state income tax | 11% |
New Silver strengths in Hawaii
- tech-driven fast underwriting
- low minimum loan sizes
- BRRRR-friendly
Ideal borrower: Newer-to-mid investor with smaller deal sizes
FAQ
Yes, operates nationally including Hawaii. New Silver is based in West Hartford, CT and operates nationally.
Honolulu is the top investor market in Hawaii and falls within New Silver national coverage. Honolulu property tax follows the Hawaii state rate of 0.3 percent. New Silver typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from New Silver. Submarket variation within Hilo matters for property selection.
New Silver 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 New Silver program.
New Silver indicative DSCR rate range is 9.5 to 11.75 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. New Silver follows standard business-purpose loan structures.
New Silver funds fix-and-flip, BRRRR, rental, bridge in Hawaii.
Hawaii allows standard DSCR prepay structures; New Silver typically uses 3-5 year step down.
New Silver typical close: 5-14 days typical.
Bottom line
Hawaii investors considering New Silver should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with New Silver.