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Fix and Flip Loan Hawaii Program Built for Profitable Flips

Private Money Hawaii funds fix and flip loan projects across Oahu, Maui, Kauai, and the Big Island with fast, asset-based financing built around how Hawaii deals actually close. Get competitive leverage, transparent terms, and closings in as little as 7 days so you can move on the right property without waiting on a bank.

START YOUR FLIP WITH A QUOTE

Private Money Hawaii Fix and Flip Loans: Built for Island Investors

Hawaii flips don’t run on mainland timelines, and your lender shouldn’t either. Private Money Hawaii funds fix and flip projects across every major Hawaiian island with fast closings, local underwriting, and terms built around how island deals actually work:

Closings in 7–14 Days: Move as fast as a cash buyer without putting all your capital on the line.
Draw-Based Disbursement: Rehab funds release in verified stages tied to milestones, so you pay interest only on what you’ve drawn and protect your margins throughout the project.
Fully Disclosed Fees: Origination, inspection, and draw fees are all in your loan terms before closing. Nothing surprises you at the table.
Same-Day Term Sheets: Submit your deal and get terms back the same day so you can run your numbers and move when the right property comes up.

Thirty years of Hawaii lending built these processes. David Ige has been originating loans in Hawaii since 1993, and every loan we fund reflects that depth of local knowledge. These aren’t workarounds for a national product.

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Get a Fix and Flip Loan Estimate Before You Make an Offer

The numbers on a Hawaii flip move fast, and walking into a deal without a financing estimate puts you behind from the start. Before you submit a purchase contract, get a clear picture of your interest rate, cash to close, and projected costs by running your deal through our hard money loan calculator, including how your target sale price holds up against ARV in Hawaii.

Enter your purchase price, estimated rehab budget, and ARV to get projections for:

After-Repair Value (ARV): See how your target sale price holds up against local comps and deal assumptions.
Cash to Close: Know your out-of-pocket requirement before you negotiate.
Interest Rate and Fee Estimate: Model your total financing cost across the full hold period.

Stop building deal analysis on assumptions when the actual numbers are a few inputs away.

Request an Estimate

Fix and Flip Loans Built for Every Stage of Your Investment

Hawaii investors come to deals from different positions, and our program is structured to meet you where you are.

New Purchase: Close in as little as 7 days and compete directly with cash buyers without putting all your capital on the line.
Delayed Purchase Refinance: Already used your own funds to acquire? Pull that capital back out within six months of closing and redeploy it into your next deal.
Seasoned Finance: Holding a property for six months or longer? Get the additional runway to finish the project strong rather than exit early at a discount.

Whatever stage you’re at, the loan structure bends to fit the deal.

Built-In Exit Planning & Investor Rewards

Profit strategies custom-built for island flips.

Exit flexibility: refinance, sell, or convert to rental—all with no prepayment penalties under 24 months
Repeat-borrower incentives: tiered rate improvements, faster approval pipelines
Project support: guidance on staging, short-term rental conversion, or max sale value

START YOUR FLIP WITH A QUOTE

Offering Rates Starts at 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.

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Fix and Flip Loan FAQs

What credit score do I need to qualify for a loan program?

Credit score is not the primary qualification factor. Our underwriting is asset-based, meaning the property’s value and the strength of your deal matter far more than your credit history. Investors who have been declined by traditional banks regularly qualify through Private Money Hawaii.

How much can I borrow with a fix and flip loan in Hawaii?

Loan amounts range from $100,000 to $3,000,000, with LTV up to 70% of the after-repair value. Your specific loan amount depends on deal strength, the property’s ARV, and your borrower profile.

Is a fix and flip loan the right choice, or should I use the BRRRR strategy?

Both are viable in Hawaii. If you plan to sell after the renovation, a fix and flip loan is the right fit. If you want to hold and rent, BRRRR is the better path. The decision comes down to your exit.

What property types qualify for the loan program?

We fund single-family homes, 2–4 unit multi-family properties, condos, mixed-use, land, and construction projects across Oahu, Maui, the Big Island, and Kauai. Both fee simple and leasehold properties are considered.

What is the difference between a fix and flip loan and a bridge loan?

A fix and flip loan funds both the acquisition and the renovation, with rehab funds released through a draw schedule tied to milestones, which is distinct from how fix-and-flip financing in Hawaii is structured for longer-term projects. A bridge loan provides short-term gap financing without a built-in rehab component. Private Money Hawaii offers both as separate products.

Are fix and flip loans available for primary residences?

No, our program is structured for non-owner-occupied investment properties only.

Ready to Work with Hard Money Lenders Hawaii Investors Trust?

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: 500 Ala Moana Blvd Downtown, Suite 7400, Honolulu, Hawaii 96813
Call: +1(808) 753-1204 or +1(808) 865-8055
Email: funding@privatemoneyhawaii.com

Apply Now for Your Honolulu Hard Money Loan and Get Funded Fast