Hard money loans in Kailua-Kona
View-driven renovations and second-home flips.
- 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 Kailua-Kona
Kailua-Kona is Hawaiʻi Island's resort and second-home market, with ocean-view homes above the town and dense condo inventory along the coast. Renovations that capture the view command large ARV gains.
We fund Kona flips, condo renovations, ADU construction and bridge loans for mainland buyers who need a fast close.
Housing stock
Ocean-view homes in Kona Palisades and Kona Heights, condos along Aliʻi Drive, coffee-belt homes in Hōlualoa and Kealakekua.
Neighborhoods we lend in
Kona Palisades · Kona Heights · Aliʻi Drive · Hōlualoa · Keauhou · Kealakekua · Captain Cook
What we watch for in Kailua-Kona
- Lava zone 2 and 3 boundaries affect end-buyer financing
- Vog exposure on some slopes
- Older condos with special assessments
Hawaiʻi Island rules that affect Kailua-Kona 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 Kailua-Kona
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.
Kailua-Kona questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Which Kona lava zones do you lend in?
Zones 3 and above without restriction. Zone 2 with a strong exit plan.
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 Kailua-Kona
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 Kailua-Kona
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.