Hard Money Lenders Hawaii
Get approved in less than 5 minutes with instant term sheet + proof of funds
Fast Hawaii Hard Money Loans
Ready to close in less than a week
- Interest rates 9.25 – 11.25%
- Credit score 650+
- Loan-to-Cost Up to 90%
- No income verification
- Get approved online in 5 minutes
- Instant proof of funds letter
- Interest only payments

Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes using our online application
Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Hawaii.
New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in HI.
Loan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Hawaii. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.
- Get up to $5,000,000
- Interest rate 9.25 – 11.25%
- Origination fee from 1.25 - 1.75%
- Up to 100% construction
Rent
30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.
- Get up to $3,000,000
- Interest rate 6.375
- Origination fee 0 - 2%
- 30-year fixed rate
Ground Up
Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%
The perfect solution for builders in Hawaii that need quick access to capital to fund construction costs.
- Get up to $5,000,000
- Interest rate 10.5 - 11.5%
- Origination fee from 1.5 - 2%
- Up to 18 months
Recently Funded In Hawaii

$368,900
Hawaiian Paradise Park, HI

$255,500
Kaunakakai, HI

$263,500
Keaau, HI

$1,050,000
Kihei, HI
Hawaii House Market Overview
Average Home Value
$848,316
1-Year Home Appreciation
-0.5%
Average
1 Bedroom Rent
$1,806/month
Average 3 Bedroom Rent
$3,227/month
Hawaii Offers High Entry Costs with Lucrative Rental Yields
Hawaii’s real estate market presents a unique landscape for investors. With an average home value of $848,316, the state’s property prices are more than double the national average. This high entry cost is a significant consideration for potential investors.
However, the rental market offers promising returns. The average rent for a one-bedroom apartment stands at $1,806 per month, while three-bedroom units command approximately $3,227 monthly. These figures suggest strong rental demand, providing opportunities for investors to achieve favorable cash flow.
Strategic Investment Considerations
Investors should conduct thorough market analyses to identify areas with high rental demand and potential for appreciation. Given the state’s unique market dynamics, strategies such as focusing on multi-family units or properties suitable for short-term rentals may enhance investment returns.
Real Estate Investing Hot Spots In Hawaii
Honolulu
Honolulu, the capital city of Hawaii, remains a prime location for real estate investment. Its status as a business hub and tourist destination ensures consistent demand for both residential and vacation properties. The city’s diverse economy and cultural attractions contribute to its strong rental market, making it an attractive option for investors seeking steady income streams.
Kailua-Kona
Kailua-Kona, located on the Big Island’s west coast, is experiencing growth driven by tourism and remote work trends. The area’s appeal lies in its scenic beauty, recreational activities, and relatively affordable property prices compared to other Hawaiian locales. Investors can capitalize on the demand for short-term vacation rentals and long-term housing options in this expanding market.
Hilo
Hilo, situated on the Big Island’s east side, offers a more affordable entry point into Hawaii’s real estate market. Known for its lush landscapes and cultural heritage, Hilo attracts residents seeking a slower-paced lifestyle. The city’s affordability and potential for appreciation make it an appealing choice for investors focusing on long-term growth and rental income.
Hawaii Real Estate Investor Associations
Resources Used In This Post:
Zillow | Apartments.com | Realtor – Honolulu | Zillow – Kailua-Kona | Realtor – Hilo
Reasons to Fund Your Investment Property with New Silver
It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is a hard money lender with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs, with fast closing hard money loans.

Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.
New Silver offers a variety of loan terms to suit different real estate investing strategies in Hawaii, including:
- Short-term fix and flip loans with durations typically between up to 18 months.
- 30 rental property loans for long-term investment stability.
- Construction loans structured around your development timeline, typically 18 months.
These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.
New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Hawaii. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.
New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.
Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.
Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.
Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.
Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.
New Silver offers a range of loan products designed for real estate investors in Hawaii, including:
Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.
New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.
We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Hawaii.
Where We Lend
Hard Money Loans Across The US
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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