Hard money loans in Puna
Land and ground-up construction loans for spec homes.
- 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 Puna
Puna has the lowest-cost buildable land in Hawaiʻi and a steady stream of buyers looking for affordable homeownership. Ground-up construction on subdivision lots is the dominant investor strategy.
We fund lot purchases and spec home construction in draws across Hawaiian Paradise Park, Keaʻau and Pāhoa, and renovations of existing homes.
Housing stock
Large affordable lots in Hawaiian Paradise Park, Keaʻau, Pāhoa, Orchidland and Ainaloa; owner-built homes.
Neighborhoods we lend in
Hawaiian Paradise Park · Keaʻau · Pāhoa · Orchidland · Ainaloa · Hawaiian Beaches · Leilani Estates
What we watch for in Puna
- Lava zones 1 and 2 in lower Puna limit end-buyer financing
- Private roads and catchment water
- Permit and inspection travel times
Hawaiʻi Island rules that affect Puna 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 Puna
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.
Puna questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Can I build a spec home in Hawaiian Paradise Park with your financing?
Yes. We fund the lot and construction in draws. HPP is in lava zone 3, which supports conventional exit financing.
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 Puna
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 Puna
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.