ADU Loans on Oʻahu
Oʻahu ADU rules are set by the county, and we know them. We help you confirm eligibility before you spend on plans, then fund the build in draws.
- 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
- Leverage
- Up to 70% of combined completed value
- Draws
- Foundation, framing, rough-in, finish
- Rate
- About 12% a year (1% a month), interest only
- Term
- 12 to 18 months
- Exit
- Refinance or sale
- Units
- Detached, attached or conversion
Using a adu loan on Oʻahu
Every county in Hawaiʻi has loosened accessory dwelling unit rules in recent years, and ADUs are now the most accessible way to add a rental unit without buying another property. Banks struggle to finance them because the value is not there yet. We lend to the completed value.
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.
Where this loan works best on Oʻahu
- Kailua. Premium windward beach town. Older post-and-pier homes with strong ARV upside.
- Kāneʻohe. Large lots, older plantation-era homes, ADU-friendly zoning.
- Kapolei and ʻEwa Beach. Newer master-planned inventory, fast turnover, light cosmetic flips.
- Mililani. Consistent family demand and predictable comps.
- Pearl City and ʻAiea. Mid-century homes near the rail line with heavy renovation demand.
Oʻahu specifics we underwrite
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.
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.
How we fund in 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 adu loans questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
What are the ADU rules on Oʻahu?
Honolulu allows ADUs up to 800 square feet on qualifying residential lots with adequate parking and infrastructure. Recent ordinances expanded eligibility.
Can I get an ADU loan on the Big Island?
Yes. Hawaiʻi County adopted a 2024 ordinance allowing additional dwelling units on most residential and ag lots subject to wastewater capacity.
How is the loan repaid?
Typically by refinancing the property once the ADU is complete and rented, or by selling.
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.
Same-day quote for 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.