Rental DSCR · Hawaii
Where rent covers the loan in Hawaii
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 0 of 4 Hawaii counties (0%). The typical Hawaii county has a DSCR of 0.66. No Hawaii market with at least 2,500 renter homes and a loan of $55,000 or more covers the payment at 7%. The closest are Hawaii County at 0.80, Honolulu County at 0.70 and Maui County at 0.62.
The biggest rental markets
In Hawaii’s largest rental markets, the rent falls short of the payment in Honolulu County (DSCR 0.70, break-even under 4%), Hawaii County (DSCR 0.80, break-even 4.8%) and Maui County (DSCR 0.62, break-even under 4%).
Open Hawaii on the interactive map
Financing a rental? See Pinnacle Funding Network’s state guides.
Every Hawaii county, ranked
Ranked by DSCR at a 7% example rate on a mid-market home, 75% loan. † A 75% loan there is under $55,000, the smallest DSCR loan through Pinnacle Funding Network. * Small survey sample; treat as rough.
| # | County | Renter homes | 3-bed rent | Home price | DSCR at 7% (example) | Break-even rate |
|---|---|---|---|---|---|---|
| 1 | Hawaii County | 19,277 | $2,385 | $543,400 | 0.80 | 4.8% |
| 2 | Honolulu County | 136,264 | $3,335 | $874,100 | 0.70 | Under 4% |
| 3 | Maui County | 19,203 | $3,152 | $946,000 | 0.62 | Under 4% |
| 4 | Kauai County | 7,422 | $2,383 | $916,900 | 0.48 | Under 4% |
| Kalawao County | 40 | No estimate (survey is missing rent or home values) | ||||
Rates on this page are a 7% example, not a quote or an offer. DSCR here is 3-bedroom rent divided by principal, interest, property tax and insurance on a 75% loan with a 30-year fixed payment. At 1.00 the rent pays all of it. Figures are estimates from public data, for education only.
Questions
In how many Hawaii counties does a 3-bedroom rental cover the payment at 7%?
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 0 of 4 Hawaii counties (0%). The typical Hawaii county has a DSCR of 0.66. The count holds at 0 anywhere from a 6% to an 8% example rate.
Where in Hawaii does rent go furthest against the payment?
No Hawaii market with at least 2,500 renter homes and a loan of $55,000 or more covers the payment at 7%. The closest are Hawaii County at 0.80, Honolulu County at 0.70 and Maui County at 0.62.
Do Hawaii’s biggest rental markets cover the payment?
In Hawaii’s largest rental markets, the rent falls short of the payment in Honolulu County (DSCR 0.70, break-even under 4%), Hawaii County (DSCR 0.80, break-even 4.8%) and Maui County (DSCR 0.62, break-even under 4%).
How is this calculated?
Rent is HUD’s FY2027 Fair Market Rent for a 3-bedroom, adjusted to each county. Home prices are about the 40th percentile of local values from the Census Bureau’s 2020 to 2024 American Community Survey, brought to mid-2026 with the FHFA house price index. Property tax uses each county’s effective rate and insurance starts from NAIC 2023 average premiums. DSCR is rent divided by principal, interest, tax and insurance on a 75% loan at a 7% example rate, which is not a quote or an offer.
Found a market? Get a free scenario.
Pinnacle Funding Network is a correspondent lender and loan originator for rental and investment property loans. Send us the deal and we’ll send back a free same-day scenario quote, no credit pull, no obligation. Business-purpose loans on investment property only; not available in all states.