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Private Money Hawaii
Hard Money Loan Calculator in Hawaii: Estimate Costs Fast
When you’re writing an offer in Honolulu, Kīhei, Kona, or Princeville, minutes matter. Our Hard Money Loan Calculator gives kamaʻāina borrowers instant clarity on monthly carry, all-in financing costs, and cash-to-close—so you can decide fast, negotiate smarter, and avoid mid-project surprises. If you’ve searched for a “hard money loan calculator” or “hard money lender loan calculator,” this page is built specifically for Hawaiʻi deals: condo-hotels, leasehold, lava/flood zones, and interisland logistics.
How to Use the Hard Money Loan Calculator
How to Use the Hard Money Loan Calculator
- Enter your deal basics.
Purchase price, LTV, term in months, annual rate, points, and fixed fees. - Add rehab and monthly costs.
Rehab budget + your best estimate of average rehab utilization (what % of draws will be outstanding on average), plus monthly HOA, taxes/insurance, and any other fixed costs (parking, storage, ground rent for leasehold). - Review the outputs.
- Loan Amount (based on LTV)
- Monthly Interest (interest-only)
- Monthly Carry (interest + HOA + T&I + other)
- Points & Up-Front Fees
- Total Interest over the term (plus optional extension)
- All-In Financing Cost (up-front + interest)
- Cash to Close (down payment + up-front + first month carry)
- Toggle “what-ifs.”
Slide the term from 6→9→12 months, adjust rate/points, or tighten rehab utilization to see exactly how your carry and total cost change.
Tip: For front-loaded projects (demo, MEP early), set Avg Rehab Utilization to 60–70%. For even pacing, 40–50% is realistic.
Hard Money Loan Calculator (Hawaiʻi)
Deal Inputs
$100K—$2M
50%—90%
1—
6%—18%
0%—5%
$0—$20K
$0—$300K
0%—100%
0—
$0—$2K
$0—$3K
$0—$2K
Hawaiʻi tips: Add condo-hotel resort fees to HOA/Other, include ground rent for leasehold in “Other,” and consider a 1-month buffer for interisland recording/logistics.
Results
Loan Amount
—
Monthly Interest (interest-only)
—
Total Interest (term)
—
Points Cost
—
Up-Front Costs
—
Monthly Carry (int + HOA + T&I + other)
—
Extension Interest
—
All-In Financing Cost
—
Cash to Close
—
Offering Rates From 9%
At Private Money Hawaii, we are proud to fund commercial properties, multi-family residential, investment residential properties, fix and flip projects, land, and construction in Honolulu and across the Hawaii Islands.
Looking for a reliable private money lender in Hawaii for your next real estate investment loan?
PRIVATE MONEY HAWAII
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