© WHERE WE LEND HONOLULU · HI
HARD MONEY LENDER HONOLULU
Direct private capital for Honolulu investors, underwritten on the property and funded from San Diego.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Honolulu runs the entire south shore of Oahu, from Waikiki and Ala Moana through the Kakaako tower district out to Kaimuki, Manoa and Hawaii Kai. Land here is finite in a way mainland investors rarely experience, so value concentrates in redevelopment, additional dwelling units and condominium stock rather than in sprawl.
Honolulu is one of the Hawaii markets Loan Goat lends in year round. Honolulu County files and deals in Kailua, Kaneohe and Pearl City are underwritten identically, on value, exit and the plan for the property.
The whole point of a private lender is that the deal decides the answer. On Honolulu property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST HONOLULU · HI
WHAT DO HONOLULU HARD MONEY LOANS COST
Cost on a Honolulu file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Honolulu deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Honolulu deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT HONOLULU · HI
WHY LOAN GOAT IN HONOLULU
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Honolulu borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
High-rise condominium towers in Waikiki, Kakaako and Ala Moana, plantation-era single-wall houses in Kaimuki and Manoa, postwar homes carrying added ohana units, and small walk-up apartment buildings near the university. None of that is unusual here; it is the normal book.
Condo renovation and resale is the most liquid play, with legal short-term rental where zoning allows it. Adding a permitted ohana unit to an existing lot and holding it for rent is the classic Oahu value-add move. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
HONOLULU DEALS, FUNDED FROM SAN DIEGO.
Honolulu County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS HONOLULU · HI
MOST COMMON HONOLULU LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Honolulu replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Honolulu auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Honolulu real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Honolulu County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Honolulu County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Honolulu investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Honolulu County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Honolulu whose write-offs make a bank file impossible.
- VACATION RENTAL Honolulu vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Honolulu who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN HONOLULU
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES HONOLULU · HI
PROPERTY TYPES WE FINANCE IN HONOLULU
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Honolulu County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Honolulu commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Honolulu County with a repositioning plan.
- OFFICE Honolulu office assets being repositioned or bridged to a conventional exit.
- SELF-STORAGE Honolulu storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Honolulu on the land program.
© THE APPROACH HONOLULU · HI
HOW WE LEND IN HONOLULU
The comparison is the operating rulebook: high leverage, speed to close, capital that is actually there, low documentation, in-house processing and a rate the deal earns. When a bank says no on a Honolulu file, this desk looks at the property. When the deal does not pencil, you hear it before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
HONOLULU BORROWERS, IN THEIR WORDS
-
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ
© QUESTIONS HONOLULU · HI
HONOLULU HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
-
Yes. Loan Goat funds investment property in Honolulu and across Honolulu County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Honolulu files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Honolulu deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Honolulu County. Owner-occupied has its own program. If the Honolulu asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Loan Goat funds business-purpose deals in Honolulu and across Honolulu County from its San Diego headquarters, with no local branch needed to close one. Underwriting rests on the property, not the borrower, so a condominium unit or a multi-unit lot moves on its own merits. Bridge, fix and flip, DSCR rental and construction programs all apply.
-
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND HONOLULU · HI
HONOLULU, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE HONOLULU · HI
SUBMIT A LOAN REQUEST
Please fill the form below and a lending advisor from our firm will reach out.
Or just give us a call now
(619) 617-2797
