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Short-Term Rental · Lahaina, HI

Short-Term Rental Financing in Lahaina, HI

Estimated 0.70x DSCR on a $1,150,000 short-term rental with $287,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$1,150,000
25% Down
$287,500
Loan Amount
$862,500
Est. Monthly PITIA
$7,556
Creditable STR Income
$5,310/mo
Est. DSCR Ratio
0.70x

Short-Term Rental investing in Lahaina

Short-term rental financing in Lahaina 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 Lahaina median of $1,150,000, a short-term rental prices near $1,150,000. Minimum down is 25% ($287,500), leaving a loan of $862,500. Estimated all-in PITIA runs about $7,556 per month.

The Lahaina ratio math on this product

Gross nightly revenue in Lahaina models to about $7,375/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $5,310 of creditable income. Against a PITIA of $7,556, that is an estimated DSCR ratio of 0.70x. That is below the 1.0 threshold, which is normal at this basis. Financing here works one of three ways — more money down, a no-ratio DSCR product, or qualifying on documented short-term rental revenue.

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 rentals are active in this market; licensing and zoning are set locally and we verify the specific address before quoting. 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 Lahaina median for this product: an estimated cap rate of 3.05%, and monthly cash flow of $2,246 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. Note that the $862,500 loan amount exceeds the $806,500 conforming limit for Maui County, so agency pricing is off the table and this is a jumbo DSCR file.

Lahaina property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$1,150,00020% ($230,000)$3,425/mo0.43x
2–4 Unit Multi-Family$1,817,00025% ($454,250)$6,371/mo0.53x
Condo & Townhome$828,00020% ($165,600)$2,706/mo0.44x
Short-Term Rental (this page)$1,150,00025% ($287,500)$5,310/mo0.70x

All figures model a purchase at the Lahaina median of $1,150,000 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 Lahaina 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.

Lahaina Short-Term Rental FAQ

More Lahaina investor resources

Lahaina investor guide
Full market analysis and loan options
Single-Family Rental in Lahaina
0.43x est. DSCR
2–4 Unit Multi-Family in Lahaina
0.53x est. DSCR
Condo & Townhome in Lahaina
0.44x 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 Lahaina

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.

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