Hard Money Lenders Hawaii

At Private Money Hawaii, we make private lending straightforward by evaluating the property, financing requirements, and investor’s exit strategy. Led by David Ige, our local team works directly with borrowers, title companies, and escrow professionals to help move qualified transactions toward closing.

1. Initial Consultation:
   Tell us about your investment property, financing needs, timeline, and planned exit strategy.
2. Preliminary Review & Underwriting:
   We evaluate the property, requested loan amount, available equity, borrower experience, and transaction details to determine potential financing options.
3. Loan Terms & Approval:
   Review transaction-specific interest rates, origination fees, leverage, and other conditions before moving forward.
4. Closing Coordination:
   We work with title and escrow to coordinate documentation and funding. Typical closings take 7–14 business days after receipt of a complete loan package, subject to underwriting and transaction requirements.
5. Construction & Renovation Draws:
   For eligible construction and rehabilitation loans, we coordinate phased draws based on approved budgets, documented project milestones, and loan terms.
6. Ongoing Support:
   Work directly with a Hawaii-based lending team familiar with local property conditions, permitting considerations, and investment financing needs.

At Private Money Hawaii, we believe investors should understand their financing costs before committing to a transaction. Our hard money loan rates are determined by the property, loan amount, available equity, project scope, borrower experience, and planned exit strategy.

Unlike lenders advertising a single rate for every transaction, we evaluate each deal individually. Whether you're acquiring an investment property on Oahu, renovating a home on Maui, or financing a commercial project on Hawaii Island, we structure loan terms around the specific investment.

Key Terms at a Glance

• Loan Amounts:
  $100K–$30MM, depending on the loan program and transaction.
• Interest Rates:
  Quoted individually based on current lending conditions and underwriting.
• Origination Fees:
  Typically 2–5 points.
• Closing Timeline:
  Typically 7–14 business days after receipt of a complete loan package.
• Fix-and-Flip Financing:
  Up to 70% of after-repair value (ARV) for eligible projects.
• Payment Options:
  Interest-only structures may be available depending on the loan.

All financing is subject to property eligibility, underwriting, program requirements, and final approval.

Explore our Hard Money Loan Rates & Terms to learn more about available financing options.