What does hard money cost in Hawaiʻi?
Hard money rates are usually stated per year (about 12%) and paid monthly (about 1%), interest only. Enter your loan amount, annual rate, points and hold period to see the monthly payment and the total cost of capital. Then compare it to the profit on the deal, which is the only number that matters.
Effective annualized cost including points and retainer about 14.9%. Excludes title, escrow, recording and third-party fees. Illustration only.
Get an exact quote for $600,000How we use these numbers
A hard money loan is a short-term loan secured by real estate and funded by private capital rather than a bank. Because the collateral carries the loan, approval turns on the property and the exit plan, not on your tax returns or credit score.
Pac I G Capital is the brokering arm of Pacific Investment Group, a private direct lender headquartered in Honolulu. We have funded Hawaiʻi real estate for more than two decades, and every loan decision is made here on Oʻahu by people who know the neighborhoods. 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 hard money 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.
What is a hard money loan?
A short-term, interest-only loan from a private lender secured by real property. The asset backs the loan, so qualification is faster and simpler than a bank.
Do I need good credit?
No. We do not run credit checks or require a minimum score. Your track record and the property are what matter.
What does hard money cost in Hawaiʻi?
Expect roughly 1% per month interest-only plus origination points that vary by deal. We quote every loan individually.
How fast can you close?
We can often close in days. A typical timeline is about 15 business days from retainer for a purchase with clean title.
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.