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Loan programs · Hawaii

DSCR loan officers in Hawaii

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Hawaii whose lender pages show DSCR loan work. The top-ranked are Alex Ramirez (Xpert Home Lending), Kevin Roller (LeaderOne Financial, Overland Park) and Dane Costa (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 3

  1. 1

    Alex RamirezNMLS 450556

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • DSCR loan
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  2. 2

    Kevin RollerNMLS 250375

    LeaderOne Financial · Overland Park, KS · licensed in 43 states

    • DSCR loan
    • Non-QM loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
  3. 3

    Dane CostaNMLS 787138

    Xpert Home Lending · Mortgage broker · Hawaii

    • DSCR loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Office in Hawaii
    • States 11 years of experience (lender page, 2026-10-09)

Before you choose

Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.

  • What minimum DSCR do you require, and how do you calculate rent?
  • Can I close in an LLC?
  • What prepayment penalty options do you offer?

More about DSCR loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a HI license is confirmed with the state regulator (check mark), HI is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.