Private Money Hawaii
Honolulu Hard Money Loans for Real Estate Investors in Oahu
Oahu’s real estate market, particularly in Honolulu, moves fast. Tight inventory, rising home values, and competitive bidding mean investors need funding that keeps up. That’s why many turn to hard money loans in Honolulu for their investment deals.
These short-term, asset-based loans offer quick closings, flexible terms, and funding for non-traditional properties, perfect for flippers, rental property buyers, and developers across the island.
What are Hard Money Loans in Honolulu?
Hard money loans are short-term real estate loans secured by property value rather than borrower creditworthiness. They are offered by private lenders, not banks, and are ideal for:- Fix-and-flip projects
- Bridge financing
- Cash-out refinances
- Distressed or unconventional properties
Benefits of Working With a Private Money Lender in Oahu
1. Speed to Close Unlike banks, private lenders can fund in as little as 5–10 business days. This gives you the edge in competitive bidding situations or auction sales. 2. Flexible Loan Terms Honolulu hard money loans often feature interest-only payments, custom terms, and LTVs up to 70% — ideal for short-term investing strategies. 3. No Income or Credit Barriers These loans focus on the deal, not your tax returns. That makes them ideal for self-employed investors or those with non-traditional income. 4. Works for Unique Oahu Properties Condotels, leaseholds, and properties needing major repairs often get rejected by banks — but not by private lenders who understand Honolulu’s real estate nuances. 5. Perfect for Local and Out-of-State Investors Whether you’re based on the island or investing remotely, hard money lenders familiar with Oahu’s market can provide fast approvals and boots-on-the-ground expertise.
Typical Loan Terms for Honolulu Real Estate Investors (2025)
| Loan Feature | Typical Range |
| Loan Term | 6 to 12 months |
| Interest Rate | 9% to 12% |
| Loan-to-Value (LTV) | Up to 70–75% |
| Closing Time | 5–10 business days |
| Origination Fee | 1–3 points |
Use Cases: Fix-and-Flip, Bridge Loans, and Investment Properties
- Buying a distressed single-family home in Kaimuki
- Flipping a duplex in Kalihi
- Acquiring a condotel in Waikiki
- Renovating a multi-unit in Makiki
- Securing a bridge loan while selling a previous property
Why Investors in Honolulu Choose Hard Money Loans
- Speed: Secure deals quickly in a fast-moving market
- Flexibility: Underwriting focuses on the property, not just your income
- Access to Non-Conventional Properties: Rehab houses, leaseholds, distressed deals banks might reject
- Bridge Capability: Use in between other financing or while waiting for a refinance
Final Thought
In Honolulu’s fast-moving market, hard money loans aren’t just an alternative; they’re often a strategic necessity. Whether you’re flipping, bridging, or building, private financing gives Oahu investors the flexibility and speed to thrive in 2025.
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.
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