Private Money Hawaii
Fix and Flip Loans Hawaii: Your Complete Investment Guide
The Hawaiian real estate market offers unique opportunities for investors, especially those targeting outdated homes in prime locations. With limited inventory and high buyer demand, fix and flip investing has become a profitable strategy across Oahu, Maui, and the Big Island.
But flipping a home requires more than just vision and contractors, it requires funding. That’s where fix and flip loans in Hawaii come in.
These short-term loans are designed to help investors purchase, renovate, and resell properties quickly — offering the speed, flexibility, and funding traditional banks can’t match.
What Are Fix and Flip Loans?
Fix and flip loans are short-term, asset-based loans used by real estate investors to acquire and renovate distressed properties for resale. These loans typically:
- Cover both purchase price and renovation costs
- Are interest-only with 6–12 month terms
- Focus on property value and exit strategy over borrower credit
- Close in days, not weeks
They’re perfect for investors in Hawaii looking to compete in fast-moving, competitive markets where cash offers and quick closings are key.
Why Use a Fix and Flip Loan in Hawaii?
1. Fast Closings in a Competitive Market
Properties in Honolulu, Lahaina, and Kailua often receive multiple offers. Fix and flip loans can close in 5–10 business days, giving investors a serious edge over bank-financed buyers.
2. Renovate Aging Homes for High ROI
Hawaii has a large inventory of older, outdated properties with potential for value-add improvements. A flip loan allows you to purchase and improve the property without dipping into personal reserves.
3. Fund Both Purchase & Rehab
These loans can include rehab draws, so you can finance renovations as work progresses. No need to come out of pocket for contractor payments or materials.
4. Flexible Qualification Standards
Fix and flip lenders focus on the property and the project, not just your credit score or income history. This makes them ideal for self-employed investors or first-time flippers.
5. Strong Profit Potential
Hawaii’s high resale values mean strong margins for well-executed flips. With the right team and market timing, a flip loan can help turn around a project and profit in under 6 months.
Typical Loan Terms (2025)
| Loan Feature | Fix and Flip Loan Range |
| Loan Term | 6 to 12 months |
| Interest Rate | 9%–12% |
| Loan-to-Cost (LTC) | Up to 85% of purchase + 100% of rehab |
| Closing Time | 5–10 business days |
| Repayment Type | Interest-only, balloon at maturity |
Best Locations for Fix and Flip Projects in Hawaii
- Honolulu – High demand, strong resale values
- Hilo – Lower entry prices with upside potential
- Maui (Kihei, Lahaina) – Tourism-driven resale interest
- Kauai (Lihue) – Growing appeal for primary and second homes
- Big Island (Kona) – Affordable flips with mid-range ROI
Who Can Benefit from Fix and Flip Loans?
- First-time real estate investors
- Experienced flippers scaling up
- Contractors with access to distressed deals
- Out-of-state investors targeting Hawaii’s limited inventory
- Landlords converting distressed homes into rentals
Steps to Secure a Fix and Flip Loan in Hawaii
- Find a viable property with solid ARV (After Repair Value)
- Get a detailed scope of work and contractor estimates
- Apply with a private lender offering local market experience
- Close fast and start the renovation
- Sell or refinance once improvements are complete
Final Thought
With the right financing and the right deal, fix and flip loans in Hawaii can unlock serious investment potential. Whether you’re local or out-of-state, these loans offer the leverage, speed, and structure to turn properties and profits around faster.
Offering Rates Starts at 9%
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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