Hard money loans on Oʻahu
Our home island and the deepest, most liquid real estate market in the state.
- Local property inspection
- Same-day quote
- $1,000 retainer to start
- Fee simple and leasehold
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
Why Oʻahu investors borrow from us
Oʻahu is where we started and where most of our loans still close. Roughly two thirds of Hawaiʻi residents live here, the resale market turns over faster than any other island, and there is always a buyer for a well-finished home in Kailua, Mililani or Hawaiʻi Kai.
Our office sits on Kalākaua Avenue in Honolulu. We drive every property we lend on, we know which streets flood in a kona storm, and we know the difference between a fee simple Kaimukī cottage and a leasehold Makiki walk-up. That local knowledge is why we can quote same day and close in days.
The Oʻahu market right now
Inventory is chronically tight. Well-renovated single family homes in central and windward Oʻahu routinely draw multiple offers, which keeps flip exits reliable even when rates move.
Neighborhoods and what works there
Kāneʻohe
Large lots, older plantation-era homes, ADU-friendly zoning.
Kapolei and ʻEwa Beach
Newer master-planned inventory, fast turnover, light cosmetic flips.
Kapolei loansPearl City and ʻAiea
Mid-century homes near the rail line with heavy renovation demand.
Pearl City loansKaimukī and Kapahulu
Walkable urban core, tear-down and rebuild candidates.
Hawaiʻi Kai
Marina-front homes where finish quality drives a big ARV spread.
Wahiawā and the North Shore
Rural lots, ag-zoned parcels, bridge and construction demand.
Wahiawā loansLeasehold, permits and ADUs on Oʻahu
Leasehold on Oʻahu
Oʻahu carries the largest leasehold inventory in Hawaiʻi, especially in Waikīkī, Makiki and Salt Lake condos and in older Kāhala and Hawaiʻi Kai tracts. We lend on leasehold when the remaining lease term comfortably outlasts the loan and the lease rent schedule is known.
Permitting
The Department of Planning and Permitting has moved most residential permits online through ePlans. Simple interior renovations without structural change can often proceed on a minor permit. Expect longer timelines for additions, and plan draws around inspection milestones.
ADU and ohana units
Honolulu allows accessory dwelling units up to 800 square feet on residential lots that meet minimum size and parking requirements, and recent ordinances expanded where a second unit is permitted. ADU construction loans on Oʻahu are one of our fastest growing products.
Opportunities, watch-outs and a worked example
Opportunities
- Deep buyer pool means faster and more predictable exits.
- Rail corridor neighborhoods are seeing renewed investor demand.
- ADU additions can turn a single family home into a two-income property without a zoning change.
What we watch for
- Short-term rental rules under Bill 41 limit vacation rental exits outside resort zones.
- Flood-zone parcels in Kailua, Hauʻula and ʻEwa require elevation certificates that affect resale.
- Older homes commonly carry lead paint, termite damage and unpermitted additions that must be priced into rehab budgets.
A three-bedroom in Pearl City, illustrative numbers.
- Purchase
- $850,000
- Rehab
- $120,000
- ARV
- $1,250,000
- Our loan
- $691,000
- Down payment and unfunded rehab
- $279,000
- 8 months interest
- $55,280
Loan programs on Oʻahu
Fix and Flip Loans on Oʻahu
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
ExploreBridge Loans on Oʻahu
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans on Oʻahu
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreADU Loans on Oʻahu
Finance an accessory dwelling unit and turn one property into two incomes.
ExploreLand and Lot Loans on Oʻahu
Buy the lot now, build or entitle later. Private financing for raw and improved land.
ExploreMulti-Family Loans on Oʻahu
Duplexes, triplexes, small apartment buildings and value-add rentals.
ExploreCommercial Real Estate Loans on Oʻahu
Retail, office, mixed-use, industrial and hospitality properties across the islands.
ExploreLeasehold Property Loans on Oʻahu
We lend on leasehold. Most lenders will not.
ExploreCash-Out Refinance on Oʻahu
Unlock equity in property you already own to fund your next deal.
ExploreAuction and Foreclosure Loans on Oʻahu
Fast capital for courthouse steps, trustee sales and REO purchases.
ExploreProbate and Estate Loans on Oʻahu
Capital for heirs, trustees and buyers of inherited property.
ExploreCity and town pages
Read before you buy
How we fund on Oʻahu
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.
Oʻahu lending questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
How fast can you close a hard money loan on Oʻahu?
For a straightforward purchase with clear title we typically close within 15 business days of retainer, and often faster. Our office is in Honolulu, so property visits, document signing and recording all happen locally.
Do you lend on Oʻahu leasehold condos?
Yes. We evaluate remaining lease term, lease rent renegotiation dates and the fee conversion status. Many Waikīkī and Makiki leaseholds are financeable when the numbers work.
Can I get a loan for an ADU on my Oʻahu property?
Yes. Our construction loans release funds in draws as the ADU progresses, and we underwrite to the after-completion value of the combined property.
What is the retainer for a Oʻahu loan?
Oʻahu loans carry a $1,000 retainer to begin paperwork once you accept a quote.
Get a same-day quote on Oʻahu
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.