Hard money loans on Molokaʻi
A small, relationship-driven market where local lending knowledge matters most.
- Local property inspection
- Same-day quote
- $1,500 retainer to start
- Fee simple and leasehold
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
Why Molokaʻi investors borrow from us
Molokaʻi is a rural island with roughly seven thousand residents, no traffic lights and a strong community preference for local, long-term ownership. Real estate transactions are few, and most conventional lenders have little appetite for them.
We lend on Molokaʻi because we understand it. Kaunakakai homes, Kaluakoʻi condos and east-end ag lots each have their own valuation logic, and we underwrite with realistic exit timelines rather than Oʻahu assumptions.
The Molokaʻi market right now
Thin transaction volume means comps are sparse. We rely on local relationships and on-island inspection rather than automated valuations.
Neighborhoods and what works there
Kaunakakai
The island's town center and the most liquid residential market.
Kaluakoʻi and Maunaloa
West-end condos and lots with second-home demand.
East End (Kawela to Hālawa)
Oceanfront and ag parcels, construction and land loans.
Hoʻolehua
Hawaiian Home Lands area; limited private lending eligibility.
Leasehold, permits and ADUs on Molokaʻi
Leasehold on Molokaʻi
Some Kaluakoʻi resort condos are leasehold. Hawaiian Home Lands leases are not eligible for private lending. Fee simple homes in Kaunakakai and the east end are our primary Molokaʻi collateral.
Permitting
Molokaʻi falls under Maui County permitting with a local planning commission. Expect longer timelines and plan material shipments from Oʻahu or Maui well in advance.
ADU and ohana units
Maui County ohana rules apply. Given contractor scarcity, we structure Molokaʻi construction draws around barge delivery schedules.
Opportunities, watch-outs and a worked example
Opportunities
- Almost no competition from other lenders or institutional investors.
- Long-term rental demand for quality housing is persistent.
- West-end condos trade at some of the lowest per-square-foot prices in Hawaiʻi.
What we watch for
- Very low transaction volume extends exit timelines.
- Insurance and contractor availability are limited.
- Hawaiian Home Lands parcels are not financeable with private money.
A home in Kaunakakai, illustrative numbers.
- Purchase
- $380,000
- Rehab
- $70,000
- ARV
- $600,000
- Our loan
- $246,000
- Down payment and unfunded rehab
- $204,000
- 8 months interest
- $19,680
Loan programs on Molokaʻi
Fix and Flip Loans on Molokaʻi
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
ExploreBridge Loans on Molokaʻi
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans on Molokaʻi
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreADU Loans on Molokaʻi
Finance an accessory dwelling unit and turn one property into two incomes.
ExploreLand and Lot Loans on Molokaʻi
Buy the lot now, build or entitle later. Private financing for raw and improved land.
ExploreMulti-Family Loans on Molokaʻi
Duplexes, triplexes, small apartment buildings and value-add rentals.
ExploreCommercial Real Estate Loans on Molokaʻi
Retail, office, mixed-use, industrial and hospitality properties across the islands.
ExploreLeasehold Property Loans on Molokaʻi
We lend on leasehold. Most lenders will not.
ExploreCash-Out Refinance on Molokaʻi
Unlock equity in property you already own to fund your next deal.
ExploreAuction and Foreclosure Loans on Molokaʻi
Fast capital for courthouse steps, trustee sales and REO purchases.
ExploreProbate and Estate Loans on Molokaʻi
Capital for heirs, trustees and buyers of inherited property.
ExploreHow we fund on Molokaʻi
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.
Molokaʻi lending questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you really lend on Molokaʻi?
Yes. We are one of very few lenders who do. We size loans conservatively and plan for longer marketing periods on exit.
What loan-to-value do you offer on Molokaʻi?
Typically 50% LTV, with higher leverage considered for strong projects with a clear long-term rental or owner-occupant exit.
What is the retainer for a Molokaʻi loan?
Outer-island loans carry a $1,500 retainer to begin paperwork once you accept a quote. Your written quote explains how it is applied at closing.
Get a same-day quote on Molokaʻi
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.