Fix and Flip Loans on Hawaiʻi Island
Hawaiʻi Island flips succeed when the renovation matches what local buyers want. We know which finishes and layouts move quickly on Hawaiʻi Island, and we size the loan to a realistic ARV rather than an optimistic one.
- 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
Using a fix and flip loan on Hawaiʻi Island
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.
Hawaiʻi Island is larger than all the other islands combined and its real estate reflects that range. Kona and Waikoloa carry resort and second-home values, Hilo offers older homes with deep renovation upside, and Puna has the lowest-priced buildable lots in the state.
Where this loan works best on Hawaiʻi Island
- Kailua-Kona. Second-home and resort demand, ocean-view renovations.
- Waikoloa and Waimea. Golf-course subdivisions and Waimea ranch homes with strong resale.
- Hilo. Historic homes near the university and hospital, rental-driven flips.
- Puna (Keaʻau, Pāhoa, Hawaiian Paradise Park). Lowest-cost lots in the state, ground-up construction loans.
- Captain Cook and Kealakekua. Coffee-belt properties with ag zoning and ohana potential.
Hawaiʻi Island specifics we underwrite
Hilo and Puna inventory moves on price and condition. Kona-side homes trade on views and proximity to the coast. Construction costs run higher than Oʻahu because of shipping and labor.
Leasehold is rare in Hawaiʻi Island residential inventory outside a few resort condominiums in Kona and Waikoloa. Most single family purchases are fee simple.
How we fund in Hawaiʻi Island
Tell us about the property
Island, property type, purchase price, estimated after-repair value and your exit plan. Takes two minutes and needs no personal financial documents.
Same-day quote
We come back with loan amount, rate and structure. No committee, no runaround.
Property evaluation
We inspect the asset and verify title. Local knowledge means this step moves fast.
Fund and close
Sign documents, record the deed of trust, receive funds. Pay interest only until you sell or refinance.
Hawaiʻi Island fix and flip loans questions
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.
Do you lend in lava zones on the Big Island?
We lend in zones 3 and above without restriction. For zones 1 and 2 we look closely at your exit, because end buyers often cannot get conventional financing there.
Can I get a construction loan for a lot in Puna?
Yes. Ground-up construction loans in Hawaiian Paradise Park, Keaʻau and surrounding subdivisions are common for us. We release funds in draws tied to inspections.
Same-day quote for Hawaiʻi Island
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.