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Private Money Hawaii

Unique Situations in Hawaii: Everyday Life on the Islands

Hawaii often evokes images of tropical paradise, surfing, and hula dancing. But beyond the vacation postcards lies a complex and fascinating way of life that’s uniquely Hawaiian. From unusual real estate challenges to cultural practices, here are some of the everyday realities that make living in Hawaii unlike anywhere else.

What We Mean by “Unique Situations”

In Hawaii, many real estate deals don’t fit the “cookie-cutter” mold. Island conditions, zoning quirks, and property types mean some deals require creative, flexible financing. This page explains how Private Money Hawaii handles unique lending scenarios that traditional lenders might reject.

Examples of Unique Lending Scenarios in Hawaii

Leasehold Properties

Leasehold properties (common in some island communities) carry ground-lease constraints. We evaluate remaining lease years, ground lease terms, and resale value before underwriting.

Raw Land or Undeveloped Sites

Lenders may require soil tests, surveys, and approvals. We often pair hard money with construction or bridge financing to make land deals practical.

Off-Grid / Remote Properties

Properties without grid access or with unusual utilities often need higher reserves or lower LTV due to added cost and risk.

Mixed-Use / Non-Standard Structures

Commercial-residential hybrids, warehouse-residential combinations, or ADUs can be harder for banks. We analyze income streams, zoning compliance, and reuse potential case-by-case.

Distressed / Auction Properties

Fix & flip of severely distressed homes is high risk. We may require higher equity, contingency reserves, and conservative ARV assumptions.

Luxury housing at Portlock spitting cave near Waikiki on Oahu

How We Approach These Cases Differently

Instead of off-the-shelf rules, we use deal-first underwriting. That means we:

  • Adapt LTV downward if the risk is higher
  • Hold higher reserves/retention
  • Add extra due diligence steps (surveys, soil, title)
  • Request additional documentation where needed

Terms, Rates & Requirements for Unique Properties

  • Interest rates: 9–14% depending on risk
  • LTV: often 50–65% for unique deals
  • Origination fees: 1–4 points
  • Reserve requirement: 6–12+ months held back
  • Shorter term: 6–12 months preferred

Risks to Be Aware of in Island Unique Projects

Even for experienced investors, unique projects carry extra risk: permitting delays, off-island logistics, unexpected repair costs, resale uncertainty. Plan conservatively.

FAQs for Unique Financing in Hawaii

Can you finance raw land?

Yes—often paired with a construction loan to make it viable.

Do you fund properties with title issues?

Possibly—with extra underwriting and retention until resolution.

Contact Us / Get a Custom Quote

Have a property that defies conventional lending? Send us your address, plans, and challenges. We’ll review the deal and offer a tailored solution. Request a Custom Hawaii Lending Solution

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

Get in Touch

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Looking for a reliable private money lender in Hawaii for your next real estate investment loan?

PRIVATE MONEY HAWAII

helping borrowers obtain financial goals

Private Money Hawaii

411 Hobron Ln #3912, Honolulu, HI 96815

Phone: (808) 753-1204

Email: funding@privatemoneyhawaii.com