Hard money loans in Honolulu
Condo renovations in Waikīkī and Makiki, tear-down rebuilds in Kaimukī, and multi-family value-add in Mōʻiliʻili are our most common Honolulu deals.
- 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 Honolulu
Honolulu is the state capital, the economic engine of Hawaiʻi, and the most diverse real estate market in the islands. Within a few miles you move from Waikīkī leasehold condos to Kāhala estates to Kalihi multi-generational homes.
Our office is on Kalākaua Avenue, and Honolulu is where we have closed more loans than anywhere else. We know which buildings are converting to fee simple, which streets in Mānoa flood, and what a renovated Kaimukī cottage actually sells for.
Housing stock
Urban high-rise condos, walk-up apartments, pre-war cottages and hillside homes from Kāhala to Kalihi.
Neighborhoods we lend in
Waikīkī · Makiki · Mānoa · Kaimukī · Kapahulu · Kāhala · Kalihi · Salt Lake · Nuʻuanu · Pālolo · Mōʻiliʻili · Hawaiʻi Kai
What we watch for in Honolulu
- Leasehold buildings with short remaining terms
- Older concrete buildings with spalling and special assessments
- Unpermitted additions common in Kalihi and Pālolo
Oʻahu rules that affect Honolulu deals
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.
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.
How we fund in Honolulu
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.
Honolulu questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you lend on Waikīkī leasehold condos?
Yes, when the remaining lease term comfortably exceeds the loan and the lease rent is known. We have funded many Waikīkī leasehold purchases and fee conversions.
How fast can you close in Honolulu?
Often within days. Our office is in town, so inspection, signing and recording all happen locally.
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.
Popular programs in Honolulu
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.
ExploreSame-day quote for Honolulu
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.