Estimate after-repair value from comps
After-repair value is what your finished property will sell for. Enter three or more recent renovated sales from the same neighborhood, adjust for lot and view, and get an ARV range plus the guideline loan we would size against it.
Range $1,121,669 to $1,239,740
Use renovated, arms-length sales within a mile on Oʻahu or within the same district on neighbor islands. We verify every ARV against local comps.
Check my loan on this ARVHow we use these numbers
Hawaiʻi flippers face a unique problem: inventory is scarce, competition is fierce, and the best deals go to the buyer who can close fastest. Our fix and flip loans are built for that reality. We fund the purchase and the renovation on one loan, sized to the finished value of the property.
We underwrite to after-repair value, which means your leverage is based on what the property will be worth, not what you paid. Rehab funds release in draws as work is inspected, and you pay interest only until the sale closes. We lend at 50% loan-to-value as a standard and go higher when the project justifies it. Interest-only payments at roughly 1% per month. No credit minimum, no W-2s, no bank statements to get a quote.
Read more about fix and flip loans or see our rates and terms.
Questions investors ask us
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
How much of the rehab do you fund?
Up to 80% of the repair budget, released in draws as work is completed and inspected.
What is ARV and how do you calculate it?
After-repair value is what the finished property will sell for. We use recent sales of comparable renovated homes in the same neighborhood, adjusted for size, condition and lot.
Do I need flipping experience?
Experience helps but is not required. A strong deal, a realistic budget and a qualified contractor can substitute for a track record.
How long is a fix and flip loan?
Most are 6 to 12 months. Larger projects can be structured to 18 months. Extensions are available when the project is on track.
Ready to see your number?
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.