Tayton Capital
ES
Short-Term Rental · Kahului, HI

Short-Term Rental Financing in Kahului, HI

Estimated 0.91x DSCR on a $800,000 short-term rental with $200,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$800,000
25% Down
$200,000
Loan Amount
$600,000
Est. Monthly PITIA
$4,764
Creditable STR Income
$4,320/mo
Est. DSCR Ratio
0.91x

Short-Term Rental investing in Kahului

Short-term rental financing in Kahului is a different underwriting product than a long-term DSCR loan even though it carries the same name. The lender is crediting nightly revenue instead of a signed lease, which means the documentation, the reserve requirement, and the permit diligence all change.

At the Kahului median of $800,000, a short-term rental prices near $800,000. Minimum down is 25% ($200,000), leaving a loan of $600,000. Estimated all-in PITIA runs about $4,764 per month.

The Kahului ratio math on this product

Gross nightly revenue in Kahului models to about $6,000/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $4,320 of creditable income. Against a PITIA of $4,764, that is an estimated DSCR ratio of 0.91x. That lands just under 1.0. It does not kill the deal in Kahului: moving to a larger down payment ($240,000) usually closes the gap, and several shelves fund down to 0.75x with a rate add-on.

Underwriting notes specific to STR files: plan on 25% down as the floor, six months of PITIA in reserves, and either twelve months of Airbnb/VRBO earnings statements on the subject property or a third-party market revenue study for a property with no operating history. Short-term rental activity is moderate here and local rules vary by zoning district. Verify the permit status of the exact address before you go hard on earnest money — an unpermitted STR is an unfinanceable STR on this product.

Returns and structure

Return metrics at the Kahului median for this product: an estimated cap rate of 3.56%, and monthly cash flow of $444 negative at 25% down. Negative cash flow at the minimum down payment is common in appreciation-led markets; investors close the gap with a larger down payment, a purchase below median, an added unit, or a rate buydown.

Kahului property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$800,00020% ($160,000)$4,000/mo0.80x
2–4 Unit Multi-Family$1,264,00025% ($316,000)$7,440/mo0.99x
Condo & Townhome$576,00020% ($115,200)$3,160/mo0.78x
Short-Term Rental (this page)$800,00025% ($200,000)$4,320/mo0.91x

All figures model a purchase at the Kahului median of $800,000 with the property-type adjustments described above, at an illustrative 7.50% DSCR rate on a 30-year fixed. Short-term rental income is shown after the standard lender haircut.

Figures on this page are modeled estimates derived from the Kahului median price and market rent, adjusted for short-term rental product characteristics. They are illustrative, not a loan offer or an appraisal. Actual pricing, rent, taxes, insurance, HOA dues and DSCR depend on the specific property and on conditions at the time of application.

Kahului Short-Term Rental FAQ

More Kahului investor resources

Kahului investor guide
Full market analysis and loan options
Single-Family Rental in Kahului
0.80x est. DSCR
2–4 Unit Multi-Family in Kahului
0.99x est. DSCR
Condo & Townhome in Kahului
0.78x est. DSCR
Maui County investor hub
Every market we finance in the county
DSCR loan requirements in Hawaii
DSCR payment calculator

Price a short-term rental in Kahului

Send us the address and we'll model the real DSCR ratio, PITIA and cash flow on that specific property — usually the same day. Licensed in Hawaii, and we close in an LLC or your personal name.

Get My Investment Analysis Talk to a Loan Officer

Keep exploring

Related pages

Get started

See your loan options in minutes.

Tell us a little about you and we'll reach out personally — usually within one business day.

Or call (970) 708-9624

Terms · Privacy Policy

Get a quoteApply Now