Hard Money Lenders Hawaii – Local Private Lending
Local underwriting • Investor-friendly terms • Closings often in 7–14 days
Bridge, Fix-and-Flip & Rental (DSCR) Loans • Serving Honolulu, Oʻahu, Maui, Big Island & Kauaʻi
When you are looking for hard money lenders Hawaii real estate investors actually trust, speed and local knowledge aren’t optional, but the whole point. Private Money Hawaii offers asset-based hard money loans with same-day term sheets and closings in as little as 7–14 days. Instead of relying on credit scores and bank red tape, we evaluate your property and business plan, helping you move quickly and confidently.
Investors across Oʻahu, Maui, the Big Island, and Kauaʻi rely on us for bridge loans, fix-and-flip financing, and DSCR rental loans. Get responsive service, transparent terms, and a lender that knows the Hawaii market.
No obligation. Property-based lending for Hawaii investors.
Our Hawaii Hard Money Loan Programs
Hawaii’s real estate market doesn’t fit a standard loan box, and neither do the investors who succeed in it. Private Money Hawaii offers a full range of hard money loan programs designed around how deals actually work on the islands. Whether you’re flipping a distressed property in Kailua, bridging a gap between transactions on Maui, or building a rental portfolio on the Big Island, there’s a program built for your situation.
- Private Money Hawaii Select: Our premium program for experienced investors with strong deals. Priority underwriting, preferred terms, and direct access to David from day one.
- Fix and Flip Loans: Acquisition and rehab capital for distressed properties across Oahu, Maui, and beyond. Speed matters in Hawaii’s market; that’s why we close in 7–14 days so you don’t lose the deal.
- Bridge Loans: Short-term financing for investors caught between transactions or waiting on permanent financing. Same-day term sheets. No bank delays.
- DSCR Loans: Qualify based on the property’s rental income, not your personal tax returns. Built for long-term rental and Airbnb investors taking advantage of Hawaii’s tourism-driven market.
- BRRRR Strategy: Buy, Rehab, Rent, Refinance, Repeat. We fund both the bridge and DSCR legs of your BRRRR cycle, keeping your capital moving across deals.
- Investment Residential Real Estate: Asset-based financing for residential investment properties. No income documentation. No W-2 required.
- Construction Loans: Phased draw financing for new builds and major rehab projects. We understand Hawaii’s permitting timelines and structure draws accordingly.
- Commercial Loans: Funding for multifamily, mixed-use, and commercial acquisitions across the Hawaiian Islands. Complex deals welcome.
Not sure which program fits your deal? Contact us and our experts will guide you through your selection.
Loan Process
Our process starts with a conversation. Work with a trusted Hawaii private money lender who understands your project, timeline, and goals, and funds with clarity.
Loan Programs
From bridge loans to fix-and-flip and commercial property funding, our programs are tailored to Hawaii’s unique market so you can close quickly and compete with confidence.
Loan Funded
See real results. We’ve funded hard money loans for investors in Honolulu and across Hawaii, supporting acquisitions, rehabs, and refinances with fast, reliable capital.
How Our Hard Money Loan Process Works
At Private Money Hawaii, we go beyond lending. We build relationships grounded in transparency, integrity, and deep knowledge of the Hawaii market. Our Honolulu hard money lending process is designed for speed, clarity, and flexibility, giving real estate investors the confidence to act fast in competitive markets like Oʻahu and Maui. Here’s what to expect from start to funded deal:
- Initial Consultation: Share your property details, investment goals, and exit strategy.
- Rapid Underwriting: Local underwriting with same-day term sheets and preliminary offers.
- Smooth Closing: Title, escrow, and loan docs coordinated for 7–14 day closings.
- Transparent Terms: Interest-only payment options, LTV ratios up to 70% for most residential investment properties (up to 65% for commercial), and origination fees of 1–3 points based on deal complexity, loan size, and borrower experience.
- Draw Management: Phased draws were managed efficiently on construction and rehab loans.
- Ongoing Support: Direct access to a local lender who knows Hawaii’s zoning, permits, and market dynamics.
Fast Closings for Honolulu & Hawaii Investors
Private money lenders in Hawaii provide quick funding within 7-14 days, ideal for time-sensitive real estate deals in Oahu, Maui, Kauai, and the Big Island.
Flexible Loans for Fix-and-Flip & Bridge Projects
Tailored financing for Hawaii’s unique island projects. Whether it’s a fix-and-flip loan or bridge loan, private lenders deliver the flexibility banks can’t.
Local Insight, Island-Wise Service, Close in 7–14 days
Hawaii-based hard money lenders offer deep local knowledge and relationship-first service, perfect for navigating zoning, permits, and island land use.
Competitive Hard Money Rates in Hawaii with Transparent Terms
As a trusted hard money lender in Hawaii, we keep pricing straightforward.
Rates typically start around 9% as of 2025. They vary based on deal structure, loan-to-value ratio, property type, and current market conditions. Always confirm current pricing directly with our team.
When the median single-family home on Oahu is $1,141,500 and nearly one in three properties sells above asking price according to the Honolulu Board of Realtors, competing with cash buyers requires a lender who moves as fast as the market does.
Key terms at a glance:
- Origination fees: 1–3 points based on deal complexity, loan size, and borrower experience
- Payment structure: Interest-only options available
- LTV: Up to 70% for residential investment properties; up to 65% for commercial
Our team is led by David Ige, who has been originating loans since 1993 and running his own brokerage since 1997. That experience translates into investor-focused service grounded in deep Hawaii market knowledge. From fix-and-flip loans in Oʻahu to bridge loans in Honolulu and investment property loans across Maui and Kauaʻi, we’ve helped both first-time investors and seasoned developers succeed.
With clear pricing, rapid underwriting, and a focus on local relationships, Private Money Hawaii is the partner real estate investors trust when they need to close fast.
Learn more about the current hard money rates & terms
Meet David Ige – Veteran Hawaii Hard Money Lender
David Ige was born and raised in Honolulu. He began originating loans in 1993, building expertise across residential and commercial transactions. In 1997, he founded his own mortgage brokerage.
That firm has since evolved into Private Money Hawaii and Excel Financial Services Inc.
Over nearly three decades, David has funded hundreds of Hawaii real estate investment loans. Those range from residential fix-and-flip projects to complex commercial financing across Oʻahu, Maui, Kauaʻi, and the Big Island.
His background in securities and financial planning gives him a perspective most private money lenders in Hawaii don't have. He takes on challenging deals, bridge loans, rehab projects, and non-traditional properties while taking the time to educate clients on financing strategies.
David's goal isn't just to close your deal. It's to help you build long-term success.
Ready to move forward?
What Our Clients Say
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. Honolulu Hard Money Loan Rates & Terms
Private Money Hawaii is a local Hawaii-based lender offering bridge, fix-and-flip, and rental property loans. Backed by local underwriting and real estate experience, we help investors close fast — often in 7–14 days.
Ready to Work with Hard Money Lenders Hawaii Investors Trust?
Act Fast with a Trusted Local Partner
Secure funding in as little as 7–14 days. No bank delays—just Honolulu hard money loans designed for investors who need speed and certainty.
Tailored Loan Programs
From fix-and-flip loans in Oʻahu to bridge loans in Honolulu, DSCR rental financing, and construction loans across Hawaii, we customize terms around your project’s needs. With interest-only payment options, LTV up to 70%, and clear origination fees, you’ll have flexible funding that works for you.
Local Expertise You Can Trust
Led by veteran lender David Ige, a licensed mortgage broker in Honolulu with nearly 30 years of experience funding Hawaii investment property loans, we combine deep local insight with transparent terms to help investors succeed.
Private Money Hawaii
Address: 500 Ala Moana Blvd Downtown, Suite 7400, Honolulu, Hawaii 96813
Call: +1(808) 753-1204 or +1(808) 865-8055
Email: funding@privatemoneyhawaii.com
Looking for a reliable private money lender in Hawaii for your next real estate investment loan?
PRIVATE MONEY HAWAII
Private Money Hawaii
500 Ala Moana Blvd Downtown, Suite 7400, Honolulu, Hawaii 96813
Phone: (808) 865-8055 & (808) 753-1204
Email: funding@privatemoneyhawaii.com
Additional Info
NMLS#314018 | Excel Financial Services Inc. NMLS#319323