OfferMarket for Hawaii investors
OfferMarket is a direct DSCR lender with a 660 minimum credit score (680 preferred) and a 0.75 minimum DSCR. The maximum 80% LTV tier requires a 720+ credit score. The company does not publish minimum/maximum loan size, 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 OfferMarket positions in Hawaii
Within Hawaii, OfferMarket competes alongside other DSCR lenders. OfferMarket strengths: 0.75 minimum DSCR, Direct lender. The low aggregate DSCR economics of Hawaii create demand for OfferMarket programs in Honolulu and Hilo particularly.
City-level coverage in Hawaii
OfferMarket provides DSCR coverage across Hawaii metros including Honolulu, Hilo, and Hawaii. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket 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 | — - — |
| 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% |
OfferMarket strengths in Hawaii
- 0.75 minimum DSCR
- Direct lender
- Maximum 80% LTV available at 720+ credit score
Ideal borrower: Investor with a 660+ credit score (720+ preferred for maximum 80% LTV) and at least 0.75 DSCR.
FAQ
Likely; verify direct Hawaii coverage. OfferMarket 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 OfferMarket states not publicly disclosed footprint. Honolulu property tax follows the Hawaii state rate of 0.3 percent. OfferMarket typically underwrites Honolulu acquisitions at standard rate sheets.
Yes. Hilo ranks among the larger Hawaii investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Hilo matters for property selection.
OfferMarket 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 OfferMarket program.
OfferMarket 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. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Hawaii.
Hawaii allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For Hawaii DSCR borrowers, OfferMarket is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with OfferMarket.