Private Money Hawaii
How to Qualify for Private Money Loans in Hawaii
If you’re an investor or homeowner in Hawaii looking to secure funding quickly, without jumping through the hoops of traditional lenders, private money loans might be your ideal solution. Known for their fast approval processes and flexible terms, private money loans are commonly used for real estate investments, house flipping, or bridging financing gaps. But how do you actually qualify for private money loans in Hawaii? Let’s break it down.What Sets Private Money Loans Apart
Who Should Consider Private Money Loans in Hawaii?
Private money loans are best suited for:
- Real estate investors looking to flip or rehab properties
- Homebuyers who need a fast closing
- Individuals with poor or limited credit history
- Borrowers who don’t meet traditional lending criteria
If any of these describe your situation, private money lending might be worth exploring.
Criteria to Qualify for Private Money Lending in Hawaii
Collateral & Property Value
The property itself is your primary collateral. Most lenders will assess after-repair value (ARV) and may fund up to 65–70% LTV, meaning you’ll need equity or capital to make up the rest.
Down Payment / Equity & LTV
To qualify, expect to provide **25–30% down / equity** or cash. The stronger your equity position, the more favorable your terms.
Documentation & Proof of Funds
Even though private lenders are more flexible, you’ll need: – Bank statements or reserve accounts – Purchase or rehab budgets – Project plans – Entity / LLC documents (if applicable)
Exit Strategy & Business Plan
Lenders must see how you’ll repay — be that resale, refinancing, or rent income. A clear, realistic exit plan strengthens your qualification.
Credit & Experience
While credit matters less than with banks, having a solid history and real estate experience helps. First-time investors may face stricter terms or higher equity requirements.
Hawaii-Specific Qualification Factors
- Property types like leasehold need special review
- Permits and zoning compliance factor more heavily on islands
- Remote or rural properties may require higher reserves or discount rates

Common Obstacles & How to Overcome Them
If your credit is weak, partner with a co-borrower or provide additional equity. If your cash reserves are low, build up savings or bring in an investor. Always overestimate costs in island markets.
Tips to Improve Your Chances of Approval
- Have a Clear Investment Plan: Show how you intend to use the funds and generate a return.
- Build Relationships with Local Lenders: Some Hawaii-based lenders may prioritize local investors.
- Showcase Your Track Record: If you’ve completed successful flips or rentals, include them in your application.
- Keep Your Credit Clean (If Possible): While not the focus, a decent credit score doesn’t hurt.
FAQs on Qualifying for Private Money Loans in Hawaii
Is a credit score required?
Yes, but many private lenders are more forgiving than banks — a moderate score can suffice if the deal is strong.Do I need tax returns?
Often not—private lenders emphasize collateral and plan over income history.Can I qualify with no real estate experience?
Yes, but expect higher down payment or more conservative terms unless you bring a partner with experience.
Final Thoughts
Securing a private money loan in Hawaii is about presenting a strong case to your lender, one backed by property value, a clear plan, and a compelling investment strategy. With real estate moving fast across the islands, these loans offer the agility you need to stay competitive.
Ready to qualify? Submit your property address, project details, and reserve statements. We’ll run a preliminary check and provide a term sheet tailored to your deal.
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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