FIX & FLIP LOANS · Hawaii (HI) Underwriting Matrix

Hawaii Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Hawaii Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Hawaii (HI), lenders underwrite to a Judicial (Primary) / Non-Judicial Statutory statutory framework (190–280 days-day average timeline), a 0.31% average property tax rate (~$205/mo at the $795,000 state median), and $520/$100K hazard insurance (~$345/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

HI Security Instrument

Judicial (Primary) / Non-Judicial Statutory

190–280 days days avg timeline

HI Avg Tax & Ins

0.31% Tax

$520/$100K Hazard Ins

How Fix & Flip Loans Work in Hawaii (HI)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Hawaii Median Benchmark

Median 1–4 unit price of $795,000 (75% LTV = $596,250) with Form 1007 rent of $5,150/mo and multifamily rent of $2,750/door.

2. Escrow & Title Underwriting

Hawaii operates under a Judicial (Primary) / Non-Judicial Statutory regime (190–280 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Hawaii LLC or Delaware LLC registered in HI with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Hawaii

Hawaii DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Hawaii Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Hawaii Private Money Loans (Up to 80% LTV / 85% LTC)Hawaii Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Hawaii Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Hawaii Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Hawaii Commercial Property (Up to 75% LTV)Hawaii Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Hawaii Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))