Hard money loans in Kāneʻohe
ADU construction loans and full renovations of large-lot mid-century homes.
- 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 Kāneʻohe
Kāneʻohe offers larger lots and lower entry prices than Kailua, with the same windward lifestyle. That combination makes it Oʻahu's best ADU market: many lots meet the size and setback requirements for a second unit.
We fund Kāneʻohe renovations, ADU construction and bridge loans for buyers who need to beat a contingent offer.
Housing stock
Large-lot plantation and mid-century homes, bay-view hillside properties, townhome communities.
Neighborhoods we lend in
ʻĀhuimanu · Haʻikū · Kāneʻohe Bay Drive · Pōhai Nani · Windward Estates · Temple Valley
What we watch for in Kāneʻohe
- Hillside drainage and retaining walls
- Older cesspools requiring conversion
- Termite damage in wood-frame homes
Oʻahu rules that affect Kāneʻohe 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 Kāneʻohe
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.
Kāneʻohe questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Can I get an ADU loan in Kāneʻohe?
Yes. Kāneʻohe has many lots that qualify under Honolulu's ADU ordinance. We fund construction in draws and underwrite to the combined completed value.
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 Kāneʻohe
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 Kāneʻohe
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.