Hard money loans in Waikoloa
Golf-course home renovations and resort condo purchases.
- 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 Waikoloa
Waikoloa Village is the Kohala Coast's workforce and second-home community, with golf-course homes that trade on condition and views. The resort condos at Waikoloa Beach attract vacation rental investors.
We fund Waikoloa renovations, resort condo purchases and Waimea construction loans.
Housing stock
Waikoloa Village golf-course homes and condos, Waikoloa Beach Resort condos, Waimea ranch homes nearby.
Neighborhoods we lend in
Waikoloa Village · Waikoloa Beach Resort · Waimea · Mauna Lani · Puakō
What we watch for in Waikoloa
- Wind exposure and roofing
- Resort HOA fees affecting ARV
- Water availability in Waimea
Hawaiʻi Island rules that affect Waikoloa 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 Waikoloa
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.
Waikoloa questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you lend on Waikoloa Beach Resort condos?
Yes. We underwrite to resale value with a long-term rental fallback.
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 Waikoloa
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 Waikoloa
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.