Hard Money Lenders FLORIDA

Lender of choice for investors across Florida. We’re fast, fairly priced, and we’ll get your deal done!

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Hard Money Lenders Hawaii

Hawaii Hard Money Loans for Fix and Flips and Ground Up Construction

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Hawaii

Fix & Flip Loan

Sample Deal

Loan Amount: $179,950

85% of Purchase + 100% of Rehab

Rate 10.99%
12 Months

Points 2.5%
14 Days to Close

Why We’re The Best Hard Money Lender In Hawaii

We pride ourselves on being one of the best hard money lenders in Hawaii for Fix and Flips, GUC, Rentals, and Multifamily investments.

Competitive Terms

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We provide competitive Terms on Hawaii investment property loans.
Hawaii Fix and Flip Loan Rates range from 10.5%-11.25% and a 1.5%-2.99% Origination Fee. DSCR Loan Rates range from 6.5% to 7.99% and 1.0% Origination Fee.

See our Loan Products Section for a detailed pricing breakdown of each Ohio loan product.

Simple Online Application

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Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

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Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour. We can fund your project in 7 days.

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Reliable Financing

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Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.”

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Hawaii Hard Money Loan Products

Hawaii Fix and Flip Loan

Funding For Purchase + Rehab

$50,000 up to $3,000,000

Interest Rate 10.5%-11.25%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Hawaii DSCR Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.75%-7.99%

Origination Fee From 1.0%

Up to 80% of LTV

Short Term Rentals and Long Term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 2.0%

Up to 75% of Purchase and 100% of Construction

Up to 90% of LTC

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Hawaii Hard Money Loan process

Our hard money lending process for Hawaii investment properties is simple and quick. Ridge Street closes loans in as little as 7 business days.

Apply Or Get Pre-Approved Online

~ 2mins

Fill out a 2 Min Quick App with info about your Hawaii based project. We need some preliminary information so that we can accurately evaluate your deal.

If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.

Request A Term Sheet | Get Pre-Approved | Schedule A Call

Hard Money Loan Process Step 2 Container

Receive your Term Sheet

~ 2mins

Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.

Hard Money Loan Process Step 3 Container

Submit Docs

~ 1-3 days

Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.

Appraisal or BPO

~ 2-7 days

Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.

Hard Money Loan Process Step 5 Container

Closing

~ 1-3 days

Once we have the completed document package, we'll schedule your closing within 1-3 business days.

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Featured Hawaii Hard Money loan

State

Loan Type

Loan Amount

Loan Amount (if applicable)

Rate

Points

Hawaii Deal Summary

Ridge Street Capital provided a $179,950 loan for a fast-turnaround condo flip in a prime Hawaii location. The experienced investor secured financing covering 85% of the purchase price and 100% of the light cosmetic rehab, which included fresh paint, updated flooring, modern fixtures, and a sleek kitchen refresh to elevate the unit’s appeal. With a high demand for move-in-ready properties in the area, the investor executed a strategic renovation and quickly re-listed the condo for a strong profit. Our streamlined funding process ensured the deal closed on time, allowing the borrower to capitalize on the opportunity without delays.

Keyword Highlights:

Competitive LTV: Funded 85% of the purchase price and 100% of the rehab for a total loan of $179,950.
Light Rehab: Investor completed a fast, high-impact cosmetic renovation in a sought-after Hawaii market.
Quick Closing: Quick loan closing and flip execution led to a quick resale within 45 days of purchase, maximizing returns in a competitive condo market.

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What are hard MOney Loans used for in Hawaii?

Hawaii

What are Hard Money Loans Used For In Hawaii?

Real Estate Investors in Hawaii use hard money loans to purchase, rehab, and construct investment properties.
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A hard money loan is an “asset-based” loan in which the loan amount is based on the as-is value and after repair value of a property as well as the credit scores of the borrowing company’s owners.
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Hard money loans allow Hawaii real estate investors to secure financing for fix and flips, ground-up construction, and rental properties through an LLC or a Corp without using their personal income.
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For most hard money loans, investors will have to bring a 10%-20% down payment and can use the hard money loan to finance the remainder of their project.
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As Hawaii real estate investors acquire more experience, hard money lenders like Ridge Street will increase their leverage and require less cash at the closing table.

Get Approved Online

Real Estate Investors in Hawaii use hard money loans to purchase, rehab, and construct investment properties.
‍
A hard money loan is an “asset-based” loan in which the loan amount is based on the as-is value and after repair value of a property as well as the credit scores of the borrowing company’s owners.
‍
Hard money loans allow Hawaii real estate investors to secure financing for fix and flips, ground-up construction, and rental properties through an LLC or a Corp without using their personal income.
‍
For most hard money loans, investors will have to bring a 10%-20% down payment and can use the hard money loan to finance the remainder of their project.
‍
As Hawaii real estate investors acquire more experience, hard money lenders like Ridge Street will increase their leverage and require less cash at the closing table.

Get Approved Online

Best Cities To Invest In Real Estate In Hawaii

Honolulu, HI

The Honolulu house flipping market is challenging due to high property prices, limited inventory, and strict zoning regulations. However, demand for renovated homes remains strong, driven by tourism, military presence, and a growing local population. Flippers often focus on older homes in desirable neighborhoods like Kalihi, Kapahulu, and Aiea, where value can be added through modern updates. High renovation and labor costs make fix and flips more capital-intensive, but strong appreciation and Hawaii’s competitive real estate market can yield profitable returns for experienced investors.

Get a loan in Honolulu, HI

Frequently Asked Hard Money Loan Questions

How do I qualify for a hard money loan in Hawaii?

To qualify for a hard money loan in Ohio with Ridge Street you need:

A Credit Score of 640+
A profitable deal with at least a 10% ROI
An LLC or a Corporation Registered In Hawaii

What types of properties can I finance with a hard money loan in Hawaii?

Ridge Street finances the following property types:

Residential 1-4 Units
Multifamily 5-25 Units
Commercial (Select properties)

What are the interest rates and terms for hard money loans in Hawaii?

“Depending on the sponsors experience and credit profile Rates Range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Hawaii is 10.75% interest only with no pre-payment penalty.

How fast can I get a hard money loan in Hawaii?

Ridge Street closes hard money loans in as little as 7 business days.

Are there any state-specific regulations for getting a hard money loan in Hawaii?

Ridge Street’s hard money loans are business purpose loans. This means that we can only lend to borrowers with entities (LLC or Corp) registered in Hawaii.

Can I use a hard money loan to finance a fix and flip in Hawaii?

Absolutely. This is the main use of a hard money loan in Hawaii.

What is the loan-to-value (LTV) ratio for a hard money loan in Hawaii?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in Hawaii?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan. If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Other Resources You’ll Like

November 10, 2024

Fix and Flip Loans for Beginners: A Comprehensive Guide

Looking for financing on you first and flip project? This our comprehensive guide on fix and flip loans for beginners.

September 6, 2024

What Are Fix To Rent Loans?

Learn why fix to rent and fix & flip loans are virtually the same loan product.

August 18, 2024

DSCR Loan Calculator

Calculate the DSCR of your rental property with our interactive DSCR Calculator Tool.

Hard Money Lenders FLORIDA

Hard Money Lenders Hawaii