Eligibility

Are you eligible for Amana Lofts?

Amana Lofts is an Affordable Rental apartment, offered for rent to individuals and households earning at or below 80% of Area Median Income (AMI). Read this page before you apply so you know if you qualify. It only takes a few minutes.

Check if I pre-qualify (2 min)
To be approved, you need to pass 2 checks
1
DPP, C&C of Honolulu Rules
Who these affordable homes are for. Includes a maximum income.
2
Our rental screening
Makes sure the rent fits your budget. Includes a minimum income and credit. Fall short? A co-signer can help.
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Apply
Pass both? You're ready to start your application.
Step 1 of 2

City & County affordable rental rules

These rules come from the City & County of Honolulu and HUD. All 6 must be true on the day you apply.

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You are 18 or olderEvery applicant must be an adult.
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You are a U.S. citizen or resident alienFor example, a green card holder.
✓
Hawaii is your permanent homeAnd you will live in this apartment for your whole lease. Military friendly*
✓
You're not a majority owner in a home or residential landYou don't own more than half of a house, condo, or land that could be lived on (fee simple or leasehold), and you won't buy one during your lease.
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Your household income is not more than the limitSee the chart below. Per the C&C Honolulu requirements, having less is fine.
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Your savings are not more than the limitTotal savings, stocks, and other investments, minus money owed on them, can't be more than the same chart amount for your household size. This does not include retirement accounts. Having less is fine.

2026 income limits: the most your household can earn

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These are maximums, not minimums. You do NOT need to earn this much. If your household earns less, you pass this rule.
People in your householdCan earn up to per yearAbout per month
1 person$86,240$7,187
2 people$98,560$8,213
3 people$110,880$9,240
4 people$123,200$10,267
5 people$133,120$11,093

How to use this chart: (1) Count everyone who will live in the apartment, including you. (2) Add up your household's total yearly income before taxes. (3) Is it the same or lower than the number in the chart? You pass.

Example: a 1-person household
$0You pass here$86,240
Over the limit
Step 2 of 2

Our rental screening

This is set by Associated Real Estate Advisors, the property manager. It helps make sure the rent fits comfortably in your budget.

Minimum income
3× rent*

Your monthly income before taxes should be at least 3 times the monthly rent.

Example: rent of $1,875 means earning at least $5,625 a month.
Earn less? You can still qualify with a co-signer. See below.
*Exceptions apply. Please contact us for more information.
Credit score
700+
700+ · Meets our requirement
600–699 · We'll review your report. You may need a co-signer.
599 or less · Can't be added to the lease

Please note, we review your entire application before we're able to approve it.

Don't meet the income or credit mark?

A co-signer can help you qualify

A co-signer (also called a guarantor) is a person who agrees to pay the rent if you can't. It's often a parent, relative, or friend. We may also be able to review bank or investment account statements instead. Call us to talk it through.

Good to know: a co-signer's income does not count toward the City's income limit. The City only looks at the income of people who will physically live in the unit. A co-signer who won't be living there does not affect your eligibility for the City's requirement.
Your co-signer needs:
✓ Income of at least 3× the monthly rent, before taxes
✓ A credit score of 700 or higher

Meet both steps? You're ready to apply.

Not sure about one of the rules? Call or email us before you give up. We're happy to talk it through.

Equal Housing Opportunity · Need a reasonable accommodation to apply? Call or email us.