Investment Property Loans in Hawaii (HI)
Rental property loans in Hawaii provide investors with the financing needed to purchase or refinance properties in a highly competitive and unique real estate market, particularly in areas like Honolulu and Maui. Hawaii investors can explore various loan options, including conventional loans, jumbo loans for high-value properties, and government-backed programs, to find the best fit for their investment goals and property types.
Compare Rental Property Loans in Hawaii
Best Rental Property Lenders in Hawaii (HI)
Lima One Capital
Lima One Capital is a well known provider of specialty financing for individual and enterprise real estate investors. They are known for their streamlined processes and flexible terms.
Rating
Lender Type
Private Lender
Loan Types
Fix & Flip, Bridge, New Construction, Single Rental Property, Portfolio, Short-Term Rentals
Rates
Rates as low as
Inquire2
Amounts
Loans starting at
$75,0003
Beeline
Beeline is a fintech mortgage lender that uses an AI-driven, fully digital platform to offer fast, simplified home‑buying, refinancing, and investment property loans.
Rating
Lender Type
Publicly Traded
Loan Types
Purchase, Refinance, DSCR, FHA, VA, Short Term Rental
Rates
Rates as low as
4.875%2
Amounts
Loans starting at
$75,0003
Kiavi
Kiavi is a real estate lending platform that specializes in providing financing solutions for real estate investors. Kiavi focuses on speed and flexibility, by leveraging technology to streamline the loan process.
Rating
Lender Type
Private Lender
Loan Types
Fix & Flip, Bridge, New Construction, DSCR Rental, Portfolio
Rates
Rates as low as
6.375%2
Amounts
Loans starting at
$500,0003
Hawaii Mortgage Statistics in 2025
Understanding mortgage trends is essential for advanced investors focused on expanding their portfolio and beginner investors looking to begin investing in rental properties. The statistics below provide valuable insights into mortgage trends that affect Hawaii rental property financing in 2025.
Current Mortgage Market in Hawaii (HI)
| Mortgage Aspects | Value |
|---|---|
| Average Monthly Payment | $2,485¹ |
| Total Loans | 186,000¹ |
| Percent ARM (Adjustable Rate Mortgages) | 3.4%¹ |
| Total Outstanding Loan Volume | $71.2B¹ |
| Average Interest Rate | 3.9%¹ |
| Average Credit Score | 760¹ |
| Average Loan Age (Months) | 75¹ |
| Median Monthly Payment | $2,162¹ |
| Average Mark-to-Market LTV | 42.9%¹ |
Hawaii (HI) Mortgage Calculators
Rental Property Loan Calculators
Considering a rental property in Hawaii? Use our calculators to estimate loan payments, calculate down payments, and more before you invest.
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Hawaii Rental Property Loan FAQ
What Loan Options Are Available For Rental Property Investments In Hawaii?
Hawaii investors can access a range of financing solutions, including conventional investment loans, FHA multifamily mortgages, portfolio lending, commercial property loans, and private or hard money financing. Each loan type is tailored to different investment goals, property types, and borrower profiles.
How Much Of A Down Payment Is Usually Required For Rental Property Loans In Hawaii?
Down payment requirements for Hawaii rental property loans generally range from 15% to 25%. The specific amount depends on your credit score, the lender’s criteria, and the nature of the property.
Are Interest Rates For Rental Property Loans In Hawaii Higher Than For Owner-Occupied Homes?
Yes, interest rates on rental property loans in Hawaii tend to be higher than those for primary residences. This is because lenders view investment properties as higher risk and adjust rates accordingly.
What Paperwork Should I Prepare To Apply For A Rental Property Loan In Hawaii?
To apply for a rental property loan in Hawaii, you’ll typically need proof of income, recent tax returns, bank statements, a credit report, and a property appraisal. Lenders may also require documentation showing rental income, such as lease agreements or rental market evaluations.
Is Refinancing An Option For Rental Property Loans In Hawaii?
Yes, refinancing is possible for rental property loans in Hawaii, allowing owners to secure better rates, modify loan terms, or tap into property equity. The refinancing process usually includes a new property appraisal, updated financial documents, and a review of your credit and rental history.
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Hawaii Real Estate Investor Resources
Hawaii (HI) Rental Property Management
Hawaii rental property management focuses on handling tenant relations, property maintenance, and legal compliance to help property owners maximize their investment returns.
Hawaii (HI) Rental Property Insurance
Hawaii landlord insurance provides real estate investors with essential protection against financial losses caused by property damage, liability claims, loss of rental income, and other risks associated with owning and managing rental properties.
Hawaii (HI) Rental Agreements
Residential rental agreement templates in Hawaii provide a standardized format for outlining the terms of a rental arrangement, including rent, lease duration, and the responsibilities of both landlords and tenants.
Hawaii (HI) Average Rent Prices 2025
Average rent prices in Hawaii are among the highest in the United States, with one-bedroom apartments in Honolulu typically renting for $2,000 to $3,000 per month. In less populated areas, rent prices tend to be slightly lower, ranging from $1,500 to $2,500 per month.
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Types of Rental Property Loans
1Methodology
Data
Mortgage data is based on aggregated data from one and/or several sources noted below:
2Rate Based on Publicly Posted Information on Lenders Website
3Loan Amount Based on Publicly Posted Information on Lenders Website
Disclaimer
The information included is used for illustrative purposes only. The data contained herein does not constitute financial, legal, or any material advice. Data is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals before making any material decisions.
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