Private Money Hawaii
Hard Money Loan Calculator: Estimate Rates, Fees & Monthly Costs (Hawaii)
Why Hard Money Loan Calculator is a Game-Changer for Borrowers
1) Go/No-Go decisions in minutes
Punch in price, LTV, rate, points, fees, term, and HOA/taxes. You’ll immediately see:
Monthly payment (interest-only) and full monthly carry (interest + HOA + T&I + misc.).
All-in financing cost for the whole project (with optional extension baked in).
Result: You know—before you deposit EMD—if the deal actually pencils under real island conditions.
2) Negotiate like a pro
Swap inputs (rate vs. points, higher LTV vs. fee credit, faster draw releases) and show your lender the math.
Result: You can ask for what actually reduces your total cost—not just the lowest headline rate.
3) Prevent cash crunches
See cash needed at close, expected draw timing, and true monthly burn (condo-hotel HOA, insurance, parking, storage).
Result: No mid-project surprises, fewer sleepless nights.
4) Pick the right exit—refi or sell
Model 6 vs. 9 vs. 12 months, then compare to your resale timeline or DSCR refi target.
Result: Choose the exit that maximizes profit and minimizes risk for Hawaiʻi’s seasonality and “island time.”
5) Built for Hawaiʻi properties
It handles condo-hotels (Waikīkī, Kīhei), leasehold, CPR parcels, lava/flood insurance, and interisland recording delays.
Hawaiʻi-Specific Cost Drivers Your Calculator Should Include
Condo-Hotel & CPR Nuances
Higher HOAs, daily rental program rules, and HOA reserves can raise monthly carry. Model HOA + utilities precisely and confirm building-specific underwriting (Waikīkī, Kīhei, Princeville).Leasehold Math
Lower LTVs and additional diligence on ground rent and reversion dates. Add ground rent to Monthly Carry and make sure your Term + Exit fits the lease.Lava, Flood & Hurricane Zones
Expect insurance or reserve requirements and conservative LTVs in higher-risk zones (Kona lava hazard, coastal flood). Add premiums to the Monthly Carry to avoid surprises.Interisland Logistics
Recording/shipping can add days. If you expect drift, include a one-month buffer in Term to see the worst-case interest and decide if the deal still pencils.What Questions It Answers (Fast)
- “What’s my monthly carry?” Interest + HOA + T&I + other fixed costs.
- “How much will financing cost me, all-in?” Points, fees, interest, and any extension.
- “Can I afford a slower permit?” Toggle 1–2 extra months and see the impact instantly.
- “Which lender quote is better?” Compare two term sheets apples-to-apples.
- “Should I bridge then refi?” Model the earliest realistic refi month (watch prepay windows).
Simple Inputs You Control (No Jargon)
- Purchase Price & LTV (how much the lender funds)
- Rate, Points, Fixed Fees
- Term (months) & optional Extension
- Rehab Budget + Average Rehab Utilization (what % is typically outstanding)
- Monthly HOA, Taxes/Insurance, Other (utilities, parking, storage, ground rent if leasehold)
You get: Loan amount, monthly interest, total interest, up-front costs (points/fees), monthly carry, and all-in financing cost—plus optional extension expense.
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