Cash-Out Refinance Loans in Hawaiʻi
Unlock equity in property you already own to fund your next deal.
- No credit minimum
- Same-day quote
- Close in days
- All six islands
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
- Leverage
- Up to 60% LTV
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 24 months
- Use of funds
- Business or investment purpose
- Close
- Days
- Property
- Non-owner-occupied
Cash-Out Refinance in Hawaiʻi, explained
Hawaiʻi property owners are often equity-rich and cash-poor. A private cash-out refinance turns that equity into deployable capital in days, without income documentation or a months-long bank process.
We lend on non-owner-occupied residential, multi-family and commercial property for business and investment purposes. We lend at 50% loan-to-value as a standard and go higher when the project justifies it. Interest-only payments at roughly 1% per month. No credit minimum, no W-2s, no bank statements to get a quote.
How a cash-out refinance loan works with us
Submit the property
Address, current liens, estimated value and use of funds.
Quote
Loan amount, rate and term the same day.
Close
Pay off existing liens, receive the balance in cash.
Exit
Refinance into long-term financing or sell.
Cash-Out Refinance on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Cash-Out Refinance: questions we hear most
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Can I cash out on my primary residence?
No. Our loans are business-purpose only and secured by non-owner-occupied property.
How much can I pull out?
Typically up to 60% of the property value, less any existing liens that must be paid off.
Related loan programs
Hard Money Loans
Asset-based real estate loans funded by a private Honolulu lender. The property qualifies the loan.
ExploreBridge Loans
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreMulti-Family Loans
Duplexes, triplexes, small apartment buildings and value-add rentals.
ExploreGet a same-day quote on your cash-out refinance
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.