Fix and Flip Loans in Hawaiʻi
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
- 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
- Purchase leverage
- Up to 75% of ARV
- Rehab funding
- Up to 80% of repair costs
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 18 months
- Draws
- Rehab funds released on inspection
- Prepayment
- Pay off early when you sell
Fix and Flip Loans in Hawaiʻi, explained
Hawaiʻi flippers face a unique problem: inventory is scarce, competition is fierce, and the best deals go to the buyer who can close fastest. Our fix and flip loans are built for that reality. We fund the purchase and the renovation on one loan, sized to the finished value of the property.
We underwrite to after-repair value, which means your leverage is based on what the property will be worth, not what you paid. Rehab funds release in draws as work is inspected, and you pay interest only until the sale closes. 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 fix and flip loan works with us
Submit the deal
Address, purchase price, rehab budget and your estimated ARV. We check it against local comps the same day.
Get your numbers
We quote a purchase advance and a rehab holdback, with rate and points.
Close and start work
Purchase funds at closing. Rehab draws release as each phase passes inspection.
Sell and pay off
List the finished home, close the sale, repay principal. No prepayment penalty for an early exit.
Fix and Flip Loans on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Go deeper
Fix and Flip Checklist for Hawaiʻi Real Estate Investors
A practical fix and flip checklist for Hawaiʻi: pre-purchase due diligence, budgeting for island costs, permits, timeline, and exit planning.
10 min readhow toHow to Calculate ARV in Hawaiʻi With Thin Comp Data
Learn how to calculate ARV in Hawaiʻi when comparable sales are scarce, including comp selection, adjustments, and worked examples in Pearl City and Hilo.
9 min readmarketOʻahu Fix and Flip Guide: Neighborhoods, Budgets, Exits
A neighborhood-level guide to fix and flip investing on Oʻahu covering budgets, permitting timelines, exit strategy, and hard money financing options.
11 min readFix and Flip Loans: questions we hear most
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
How much of the rehab do you fund?
Up to 80% of the repair budget, released in draws as work is completed and inspected.
What is ARV and how do you calculate it?
After-repair value is what the finished property will sell for. We use recent sales of comparable renovated homes in the same neighborhood, adjusted for size, condition and lot.
Do I need flipping experience?
Experience helps but is not required. A strong deal, a realistic budget and a qualified contractor can substitute for a track record.
How long is a fix and flip loan?
Most are 6 to 12 months. Larger projects can be structured to 18 months. Extensions are available when the project is on track.
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.
ExploreConstruction Loans
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreGet a same-day quote on your fix and flip loan
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.