Hard money loans in Hilo
Affordable flips and rental value-add near the university and hospital.
- 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
Private lending in Hilo
Hilo is the island's government and university center and its most affordable established city. Older homes near the university and hospital rent quickly, and renovated single family homes sell to a deep pool of local buyers.
We fund Hilo flips, duplex and multi-family value-add, and ADU construction under the county's 2024 ordinance.
Housing stock
Historic plantation homes, university-area rentals, hillside homes in Kaūmana and Waiākea Uka.
Neighborhoods we lend in
Downtown Hilo · Waiākea · Kaūmana · Puainako · Keaukaha · Pana‘ewa
What we watch for in Hilo
- Flood and tsunami zones near the bayfront
- Heavy rainfall and mold in older homes
- Cesspool conversion requirements
Hawaiʻi Island rules that affect Hilo deals
Hawaiʻi County adopted an ordinance in 2024 allowing additional dwelling units on most residential and agricultural lots subject to wastewater capacity. This has opened a wave of ohana builds in Hilo, Kona and Waimea that we finance in draws.
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 Hilo
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.
Hilo questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Is Hilo good for a first flip?
Yes. Entry prices are low, comps are available and buyer demand is steady.
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.
Popular programs in Hilo
Fix and Flip Loans on Hawaiʻi Island
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
ExploreBridge Loans on Hawaiʻi Island
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans on Hawaiʻi Island
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreSame-day quote for Hilo
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.