$5,000,000 to $50,000,000
1 year, 1.5 years, 2 years
1.5 - 2%
Loan Type Bridge Loan, Hard Money Loan
Property Type Land Entitled
Hawaii Lenders
Below are 92 Lenders that offer loans on investment properties in Hawaii. Their Interest Rates range from 3% to 20%. These lenders have loan amounts between $10,000 and $1,000,000,000.
$75,000 to $4,000,000
6 months, 2 years, 20 year, 30 yrs, 18 months
10% - 12%
2 - 3%
Loan Type Bridge Loan, Construction Loan, DSCR Loan, Hard Money Loan, Rehab Loan
Property Type 2-4 Units, Condo, SFR
$200,000 to $7,000,000
6 months, 2 years, 3 years
7.5% - 15%
2 - 4%
Loan Type Bridge Loan, Construction Loan, Hard Money Loan, Rehab Loan
Property Type 2-4 Units, Industrial, Medical Office, Mixed use, Office, Retail, SFR, Strip Center
1793283
$50,000 to $3,000,000
6-10 years, 11-20, 20-30
10% - 10.5%
Loan Type Bridge Loan, Commercial Loan, Construction Loan
Property Type 2-4 Units, Land Entitled, Land Non-Entitled, SFR
$200,000 to $50,000,000
2 years, 3 years, 5 years, 20 year
8% - 14%
2 - 5%
Loan Type Bridge Loan, DSCR Loan, Hard Money Loan, Rehab Loan
Property Type 2-4 Units, Multi Family, SFR
$200,000 to $50,000,000
2 years, 3 years
Loan Type Bridge Loan, Hard Money Loan
Property Type 2-4 Units, SFR
$250,000 to $10,000,000
1 year, 1.5 years, 3 years, 30 Years
7% - 11%
1 - 10%
Loan Type Bridge Loan, Construction Loan, DSCR Loan, Hard Money Loan, Rehab Loan
Property Type 2-4 Units, Condo, Industrial, Mixed use, Multi Family, Office, Retail, SFR, Warehouse
$100,000 to $25,000,000
3 months, 6 months, 10 years, 15 years, 20 year
8%
2
Loan Type Bridge Loan, Hard Money Loan, Rehab Loan, SBA Loan
Property Type 2-4 Units, Agriculture, Assisted Living, Automotive, Cannabis Related, Daycare, Funeral Home, Gas Station, Hotel, Industrial, Manufactured Home, Medical Office, Mixed use, Mobile Home Park, Modular Home, Multi Family, Office, Place of Worship, Restaurant, Retail, Self-Storage, Senior, SFR, Shopping Center, Special-Use, Strip Center, Warehouse
$500,000 to $30,000,000
1.5 years
8% - 9%
1 - 1%
Loan Type Bridge Loan, Hard Money Loan, Second Mortgage
Property Type 2-4 Units, Hotel, Land Entitled, Medical Facility, Office, Retail, SFR, Special-Use
$1,000,000 to $10,000,000
1 year
8% - 13%
Loan Type Construction Loan, DSCR Loan, Rehab Loan
Property Type 2-4 Units, SFR
10 Top Cities to Get a Loan in Hawaii
Hawaii offers a unique and diverse real estate market, driven by its tourism, agriculture, and local economic activities. Each city in Hawaii presents distinct opportunities for securing investment property loans. Here are the top 10 cities to consider when seeking a loan in Hawaii:
1. Honolulu
Honolulu, the capital city on Oahu, is the largest urban center in Hawaii and a major hub for business, tourism, and culture. The city’s high demand for residential, commercial, and vacation properties makes it an ideal location for securing an investment property loan in Hawaii. Its vibrant real estate market and diverse economy provide ample opportunities for investors.
2. Hilo
Hilo, located on the Big Island, is known for its lush landscapes and growing tourism sector. The city offers a mix of residential and commercial real estate opportunities. Hilo’s expanding local economy and increasing tourist arrivals make it a promising location for investment property loans.
3. Kailua-Kona
Also on the Big Island, Kailua-Kona is a popular destination for tourists and retirees. The city’s strong demand for vacation rentals and residential properties provides excellent opportunities for securing a loan in Hawaii. The thriving tourism industry and beautiful coastal properties attract numerous investors.
4. Kahului
Kahului, located on Maui, serves as the island’s commercial and transportation hub. The city’s growing population and expanding commercial sector make it an attractive option for investment property loans. Kahului’s central location and access to major transportation routes enhance its appeal for investors.
5. Kihei
Kihei, also on Maui, is known for its beautiful beaches and high demand for vacation rentals. The city’s strong tourism industry and residential developments make it an ideal location for securing an investment property loan in Hawaii. Kihei’s popularity as a vacation destination ensures a steady rental income for investors.
6. Lahaina
Lahaina, a historic town on Maui, is a major tourist destination with a vibrant real estate market. The city’s demand for commercial and vacation properties provides ample opportunities for investment property loans. Lahaina’s rich history and cultural significance attract numerous visitors and investors alike.
7. Lihue
Lihue, the county seat of Kauai, offers a balanced mix of commercial and residential properties. The city’s growing local economy and expanding tourism sector make it a promising location for securing a loan in Hawaii. Lihue’s strategic location and beautiful surroundings enhance its investment potential.
8. Princeville
Princeville, located on Kauai’s north shore, is known for its luxury resorts and high-end residential properties. The city’s strong demand for vacation rentals and upscale real estate makes it an attractive option for investment property loans. Princeville’s stunning scenery and exclusive properties draw numerous investors.
9. Waimea
Waimea, on the Big Island, offers a unique blend of rural charm and growing real estate opportunities. The city’s agricultural significance and expanding residential developments make it a promising location for securing a loan in Hawaii. Waimea’s beautiful landscapes and agricultural potential attract various investors.
10. Kaneohe
Kaneohe, located on Oahu’s windward side, is known for its residential communities and proximity to natural attractions. The city’s strong demand for family homes and residential properties provides excellent opportunities for investment property loans. Kaneohe’s scenic beauty and growing population enhance its appeal for investors.
Conclusion
These top 10 cities in Hawaii offer a range of opportunities for investment property loans. From bustling urban centers like Honolulu to charming coastal towns like Lahaina and Kihei, each city presents unique advantages for investors. Understanding the local market conditions and economic factors in these cities can help ensure successful lending and profitable investments. Whether you’re seeking an investment property loan in Hawaii, a private loan in Hawaii, or a Hawaii hard money loan, these cities provide promising opportunities for growth and return on investment.
10 Things to Consider When Funding a Loan in Hawaii
Funding investment property loans in Hawaii presents unique challenges and opportunities due to the state’s distinct geographic location, economic landscape, and diverse real estate market. Understanding the local nuances is essential for lenders to make informed decisions. Here are ten key considerations when funding an investment property loan in Hawaii:
1. Navigating Loans in High-Cost Real Estate Markets
Hawaii’s major urban centers, such as Honolulu on Oahu, have competitive real estate markets with relatively high property values. Understanding the local market trends and rental demand in these areas is crucial for successful lending.
For example, a borrower needed an investment property loan in Hawaii to purchase a condominium in downtown Honolulu. Analyzing local market trends and evaluating potential rental income ensured a sound investment decision.
2. Supporting Tourism-Driven Investments
Tourism is the backbone of Hawaii’s economy, leading to numerous opportunities for investment in hotels, vacation rentals, and related businesses. Evaluating the seasonal nature of tourism and potential fluctuations in income is essential.
A notable case involved a borrower looking to develop a boutique hotel in Maui. Understanding the peak tourist seasons and structuring the loan to accommodate off-season periods helped secure a stable investment property loan in Hawaii.
3. Addressing Unique Environmental and Climate Risks
Hawaii’s environmental conditions, including the risk of volcanic activity, hurricanes, and coastal erosion, must be considered when funding loans. Properties in high-risk areas require thorough risk assessments and appropriate insurance coverage.
A borrower purchasing a property in a volcanic risk zone needed an investment property loan in Hawaii. Ensuring comprehensive disaster insurance and working with environmental experts helped mitigate the risks.
4. Supporting Agricultural and Rural Investments
Agriculture remains a significant industry in Hawaii, particularly in rural areas. Understanding the agricultural market and the specific needs of farmers is essential for successful lending.
One such loan involved a client looking to expand their coffee plantation on the Big Island. Providing an investment property loan in Hawaii that accounted for the seasonal nature of farming and potential market fluctuations ensured a stable investment.
5. Evaluating Market Demand
Before funding an investment property loan in Hawaii, evaluating the market demand is essential. This involves understanding the type of properties in demand, such as residential units, commercial spaces, or vacation rentals. Areas with high demand, especially in tourist-heavy regions, can offer more secure investment opportunities.
6. Understanding Local Economic Conditions
Each island in Hawaii has unique economic conditions that can impact the success of investment properties. It’s crucial to understand the local job market, population trends, and economic activities, such as tourism, agriculture, and technology. An informed approach to an investment property loan in Hawaii can ensure better returns and long-term success.
7. Legal and Regulatory Considerations
Hawaii has specific legal and regulatory considerations that can impact investment property loans. This includes understanding zoning laws, property taxes, and any state-specific lending regulations. Staying informed about these factors ensures that the loan in Hawaii complies with all legal requirements and reduces potential risks.
8. Supporting Sustainable and Eco-Friendly Investments
Sustainability is a growing concern in Hawaii, and there is a strong push for eco-friendly developments. Loans that support green building practices, renewable energy projects, and sustainable tourism can be particularly attractive.
A borrower looking to develop a sustainable resort on Kauai required an investment property loan in Hawaii. Understanding the environmental regulations and sustainability practices helped ensure a successful and responsible investment.
9. Considering Demographic Trends
Hawaii’s population is diverse and continually evolving. Understanding demographic trends, such as the influx of retirees, young professionals, and international immigrants, can help tailor investment property loans to meet the needs of different markets.
10. Supporting Small Businesses
Hawaii’s economy includes a wide range of small businesses, from local retail shops to tech startups. Understanding the specific needs and market conditions for these businesses can provide valuable lending opportunities.
A borrower looking to open a new tech startup in Honolulu required an investment property loan in Hawaii. Understanding the local tech ecosystem and evaluating the business plan helped ensure a successful investment.
Conclusion
Funding investment property loans in Hawaii requires a tailored approach to meet the diverse needs of its regions. From navigating loans in high-cost real estate markets to supporting tourism-driven investments and addressing unique environmental and climate risks, understanding the local economy and specific regional challenges is crucial. These ten considerations highlight the importance of a nuanced and informed approach to lending, ultimately contributing positively to the varied communities across Hawaii. Whether it’s an investment property loan in Hawaii, a private loan in Hawaii, or a Hawaii hard money loan, understanding the unique needs of borrowers in this state is key to successful lending.