Private Money Hawaii
The Complete Guide to Hard Money Loans in Hawaii (2025)
What is a Hard Money Loan?
A hard money loan is a non-traditional loan secured by real estate, typically used for:- Fix-and-flip projects
- Bridge financing
- Property purchases requiring fast closings
- Funding renovations
- Acquiring non-conforming or distressed properties
Why Hard Money Lending Matters in Hawaii
Hawaiʻi’s real estate market is fast-paced, competitive, and often outside the reach of conventional lending. Hard money loans give investors the ability to act quickly—something that’s crucial when deals vanish in days. This guide gives you a full overview of how hard money works in Hawaiʻi in 2025, what you can expect, and how to use it strategically.
What Is a Hard Money Loan (vs Conventional)?
A private hard money loan is a short-term, asset-based loan secured by real estate. Unlike banks, hard money lenders place less emphasis on your credit or income and more on the value of the property and your exit strategy.
Key Features, Terms & Rates in 2025
Interest & Fees
In 2025, hard money rates in Hawaii typically start around **9%**, with fees (origination points) between **1%–3%** or more depending on risk.
Terms & Repayment
Most loans last **6 to 24 months**, commonly with **interest-only payments**, and the principal paid via sale or refinancing at term end.
LTV & Equity Requirements
Lenders often allow LTV up to **65%–75%** (sometimes ARV-based). Thus, you’ll need meaningful equity or cash to bring to the deal.
How Hard Money Lending Works in Hawaii
1. Submit property, project plan, and exit strategy
2. Underwriting evaluates the property, risks, and market
3. Term sheet offered (rate, LTV, fees)
4. Closing, often in 3–10 business days
5. Funds disbursed, project executed, then payoff via sale or refinance
Benefits & Risks
Benefits: fast funding, flexibility, access to non-traditional deals. Risks: higher cost, short repayment windows, market risk, and overleveraging.
Tips for Borrowers in 2025
- Work with local lenders — they know island rules.
- Have a solid exit strategy before borrowing.
- Budget for extra costs (permits, shipping, delays).
- Use conservative ARV assumptions.
Local Factors That Affect Deals in Hawaii
- Leasehold vs fee-simple laws
- Permit & zoning delays per county/island
- Material shipping & contractor logistics
- Fluctuation in resort vs residential demand
Final Thoughts
As Hawaii’s property values hold strong in 2025, the need for fast, flexible financing continues to grow. Whether you’re flipping your first property or managing a growing portfolio, hard money loans in Hawaii offer a competitive edge if used wisely.Provide your property address, purchase price, rehab plan, and exit strategy. We’ll analyze and present customized terms within days.
Offering Rates Starts at 9%
Ready for a Honolulu Hard Money Loan? Fast, Flexible Financing Across Hawaii
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, 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: 411 Hobron Ln #3912, Honolulu, HI 96815
Call: +1(808) 753-1204
Email: funding@privatemoneyhawaii.com