---
canonical_url: https://lendb.ai/s/dscr/hawaii
last_verified: 2026-10-09
---

# DSCR loan officers in Hawaii

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Hawaii whose lender pages show DSCR loan work. The top-ranked are Alex Ramirez (Xpert Home Lending) 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.

## Ranked, with reasons

1. **[Alex Ramirez](https://lendb.ai/lo/alexis-ramirez-450556)** (NMLS 450556), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)
2. **[Dane Costa](https://lendb.ai/lo/dane-costa-787138)** (NMLS 787138), Xpert Home Lending, HI
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - Office in Hawaii
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 11 years of experience (lender page, 2026-10-09)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/dscr/hawaii.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._