The Hawaii Property Cash Flow loan qualification is determined based on a debt coverage ratio, or DCR, with borrowers qualifying based on cash flows from the subject property.
Pacific Home Loans’ Hawaii Property Cash Flow Loan is for experienced real estate investors who are purchasing or refinancing investment properties.
Employment and income not disclosed on the loan application
Debt to Income ratio not calculated
Loan qualification based on the cash flow of the subject property (Debt Coverage Ratio)
Borrowers may own an unlimited number of financed properties
Credit score as low as 680
Maximum LTV 80%
Cash out up to $2M
No ownership seasoning requirement for cash-out refinance
Loan amount up to $2M
Gift Funds / Gift of Equity allowed
Perfect loan for borrowers who acquired investment properties paying all cash (recoup some cash) or borrowers who used hard money loans to acquire real estate.
5/1 ARM – Interest only available
15 & 30 fixed
If you think your financial situation makes sense for qualifying for a loan, contact Pacific Home Loans – Email us today or call Toll Free 866-289-2778 or local 808-891-0415 during business hours to see if one of our Common-Sense Underwriting loan programs is the loan you have been searching for.
Or if you’re ready to get started, click get Get Pre-Qualified to begin your loan application right away.
PHL is now licensed to offer home loans in California and Hawaii.
Call us toll free 866-289-2778 or local 808-891-0415 Email us if you have any questions. Click get pre-qualified to get started on the loan process right away.
Pacific Home Loans - Financing Your Paradise!
Mangum Mortgage, Inc.
Federal Trade Mark: Pacific Home Loans
DBA Hawaii: Pacific Home Loans
Artistic Photography by Justin Shaw
Contact: (808) 757-1079
Toll Free: (866)389-2778
2395 S Kihei Rd #205
Kihei, HI 96753
Hours: M-F 8am to 5pm Hawaii Time