Fast Hard Money Loans – Hawaii

Hawaii Hard Money Financing for Fix-and-Flip

and New Construction Projects

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The Top Choice for Hard Money Loans in Hawaii

We are a leading hard money lending provider in Hawaii, specializing in fix-and-flip projects, ground-up construction, rental properties, and multifamily investments.

Competitive Terms

We offer competitive terms on investment property loans in Maryland. Fix and Flip loan rates range from 10.5%–11.25% with a 1.5%–2.99% origination fee. DSCR loan rates range from 6.5%–7.99% with 0% origination fee.

Simple Online Application

Real estate investors can apply online, get pre-approved, or schedule a call in just 2 minutes. The process is quick, easy, and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

Hawaii Hard Money Loan Products

Hawaii Fix and Flip Loans

Funding for Purchase + Rehab

Loan Amount: $50,000 – $3,000,000
Interest Rate: 10.5% – 11.75%
Origination Fee: From 1.5%
Financing: Up to 90% of Purchase & 100% of Rehab
Beginner-Friendly Fix and Flip Loans Available

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Hawaii DSCR Loans

30-Year Financing for Rental Properties

Loan Amount: Up to $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee: Starting at 0%
LTV: Up to 80%
Eligible Properties: Short-Term & Long-Term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee: From 2.0%
Financing: Up to 75% of Purchase & 100% of Construction
Loan-to-Cost: Up to 90% LTC

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State
Hawaii

Loan Type
Fix and Flip

Loan Amount
$179,950

Loan Amount (if applicable)
85% of Purchase + 100% Of Rehab

Rate
10.99%

Points
2.00%

Hawaii Deal Summary

Investors Mortgage Group provided a $179,950 hard money loan for a fix-and-flip project in Bethesda, MD, supporting an experienced investor in the purchase and renovation of an outdated colonial-style home located in a highly desirable neighborhood. The financing covered 85% of the acquisition cost and 100% of the renovation budget, capped at 70% of the property’s after-repair value (ARV). The renovation plan focused on a complete interior transformation, including a modernized kitchen, premium finishes, and an open-concept living layout designed to appeal to high-end buyers in a competitive market. The loan was structured with a 10.99% interest rate and 2.25% origination points, offering the investor the flexibility and capital needed to maximize returns.

Competitive LTV: Funded 85% of the purchase price and 100% of the renovation costs, capped at 70% ARV.
Moderate Rehab: The project required moderate remodeling work with no major structural issues.
Terms: Structured at 10.99% interest with 2.25% points, optimizing the investor’s leverage and returns.

Frequently Asked Questions

What are the requirements to get a hard money loan in Hawaii?

To secure a hard money loan in Maryland, you typically need:

A credit score of at least 640

A project that is expected to yield a minimum 10% ROI

An LLC or corporation registered in Hawaii

What types of properties can be financed with a hard money loan in Hawaii?

Hard money loans in Hawaii can be used to finance:

Residential properties with 1–4 units

Multifamily properties with 5–50 units

Select commercial properties

What are the interest rates and terms for hard money loans in Hawaii?

Interest rates typically range from 10.5% to 11.5%, depending on the borrower’s experience and credit profile. The median rate for a fix-and-flip loan in Georgia is around 10.75%, interest-only, with no prepayment penalty.

How quickly can I obtain a hard money loan in Hawaii?

Hard money loans in Hawaii can be closed in as little as 10 business days.

Are there any state-specific rules for obtaining a hard money loan in Hawaii?

Hard money loans in Hawaii are considered business-purpose loans, meaning they are only available to borrowers with an LLC or corporation registered in Georgia.

Best Cities To Invest In Real Estate In Hawaii

Honolulu, HI

The house-flipping market in Honolulu is competitive, shaped by elevated property values, limited housing supply, and strict zoning requirements. Despite these challenges, demand for upgraded homes remains strong, supported by tourism, military activity, and steady population growth. Investors often target older properties in sought-after areas such as Kalihi, Kapahulu, and Aiea, where strategic renovations can significantly enhance value. While higher construction and labor costs increase capital requirements, strong appreciation and Hawaii’s competitive real estate landscape can still deliver attractive returns for seasoned investors.