Private Money Hawaii
Private Construction Loans in Hawaii: Flexible Financing for Your Island Project
Why Choose Private Construction Financing in Hawaii?
If you’re planning to build a home, a vacation rental, or an investment property in Hawaii, private construction loans offer a fast and flexible alternative to traditional financing. Unlike conventional bank loans, private lenders can move quickly, often funding within days, making them ideal for projects that can’t wait.
Whether you’re developing in Maui, Kauai, Oahu, or the Big Island, private construction loans are tailored to meet Hawaii’s unique real estate landscape.
Hawaii’s real estate market is competitive and highly regulated. With limited land availability and zoning nuances, construction timelines can vary. Traditional lenders often hesitate to back unconventional or small-scale projects.
Here’s why private real estate loans in Hawaii are gaining popularity:
- Fast closing times (often within 10 business days)
- Flexible underwriting (less dependent on credit score)
- Higher loan-to-cost ratios
- Support for off-market or owner-builder projects
Whether you’re flipping a property in Honolulu or building an eco-retreat in Hana, private lenders understand the pace and complexity of island development.
What Can You Build With a Private Construction Loan?
Private construction financing can fund:
- Residential builds (single-family, duplex, or ADUs)
- Short-term vacation rentals or Airbnb-ready homes
- Boutique commercial properties
- Renovation and teardown-rebuild projects
These loans are ideal for developers, real estate investors, and even first-time homebuilders working with licensed contractors.
Benefits of Private Lending Over Traditional Loans
| Feature | Private Construction Loan | Bank Construction Loan |
| Funding Speed | 5–10 business days | 30–60+ days |
| Credit Score Requirements | Flexible | Strict |
| Paperwork Burden | Light | Extensive |
| Loan Terms | Custom, short-term | Fixed, long-term |
| Ideal For | Investors, Builders, Owner-builders | Primary homebuyers |
Local Expertise Matters in Hawaii
Partnering with a Hawaii-based private lender or one that understands local regulations is crucial. Look for lenders familiar with Department of Hawaiian Home Lands (DHHL) zoning, shoreline setbacks, and conservation districts. A lender who understands the island terrain can provide more than funding, they can guide you through permitting and cost management.
If you’re ready to move forward, working with a trusted private lender can help you capitalize on Hawaii’s real estate potential without the delays. Fast approvals, local insight, and flexible terms make private construction loans an ideal tool for turning your vision into a reality.
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