Hawaii Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 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).
Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.
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.
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.
Close in your Hawaii LLC or Delaware LLC registered in HI with zero personal tax returns, W-2s, or 4506-C transcripts.