Hard Money Lenders Hawaii

Fast Hawaii Hard Money Loans
Ready to close in less than a week

  • Interest rates 10 – 12.75%
  • 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
Get Approved Online
Hawaii Image

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.


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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Hawaii. Interest rates from 10 – 12.75%, Loan-To-Cost up to 90%, with loan terms up to up to 24 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 10 – 12.75%
  • Origination fee from 1.875%
  • Up to 100% construction
  • More info
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30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 7.5, 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 7.5
  • Origination fee 2-3%
  • 30-year fixed rate
  • More info
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Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10 to 13.25%

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 - 13.25%
  • Origination fee from 1.875%
  • Up to up to 24 months
  • More info
Get Approved Online

Hawaii Hard Money Lenders

Getting a traditional loan is a slow, drawn-out and exhausting process. Thankfully, New Silver is one of the top-rated Hawaii hard money lenders our hard money loans are designed for real estate investors that value speed, efficiency and transparency. Offering house fix-and-flip, fix-to-rent and cash out refinance loans, our team of experienced real estate experts are available to get you capital and assist you with any hiccups that may come up along the way.

New Silver is unlike other hard money lenders in Hawaii. As licensed real estate investment professionals, we know what real estate investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast loan closing and attractive rates. At New Silver, we specialize in hard money loans for single-family residential, but we can also cater to multi-family and commercial real estate projects. Contact our Hawaii hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast, efficient, financing solutions with competitive interest rates, New Silver is the hard money lender for you.


New Silver lends in these cities:

  • East Honolulu
  • Ewa Beach
  • Ewa Gentry
  • Halawa
  • Hilo
  • Honolulu
  • Kahului
  • Kailua
  • Kaneohe
  • Kapolei
  • Kihei
  • Makakilo
  • Mililani Mauka
  • Mililani Town
  • Ocean Pointe
  • Pearl City
  • Royal Kunia
  • Schofield Barracks
  • Wahiawa
  • Waianae
  • Waipahu
  • Wailuku
  • Waimalu
  • And More

Hawaii House Market Overview

Average Home Value


1-Year Home Appreciation


1 Bedroom Rent


Average 3 Bedroom Rent


Homes In Hawaii Are Extremely Expensive: The average home value in Hawaii is $834,583. This is more than double the average home value in the US ($334,269). However, these stats don’t quite tell the full story.

The median value for a condo is $534,000, while the median price of a single family home is 1.1 million. In other words, there is a very large gap between the price of condos and the prices of single family homes in Hawaii. You will need to be prepared to take on a sizable loan if your goal is to purchase a single family home in the Aloha State.

Home Appreciation Rates In Hawaii

Metro Name Home Appreciation
Hilo 14.2%
Honolulu 7.6%
Kailua -0.6%
Urban Honolulu -11.8%
Lahaina -25%

Hawaii Real Estate Market Analysis

Hilo Is A Hot Market: Hilo (14.2%) is the only big metro area in Hawaii that appreciated by more than 10% over the last 12 months. This suggests that house flippers and rental property investors may be well served by this market.

A Number of Metros Are Experiencing Negative Appreciation:  Urban Honolulu (-11.8%) and Lahaina (-25%) both experienced negative appreciation over the last 12 months. This is problematic for house flippers in particular, because market forces can erode the value of recently completed renovations.

Growth In Honolulu Is Slow But Steady: The median home price in Honolulu is $1,127,400 and this appreciated by 7.6% over the last 12 months. Over a 3 year period, the appreciation rate is a bit more impressive, sitting at 38.6%. It’s fair to say that there are still big equity gains to be made if you can enter the Honolulu market. For instance, a $1,127,400 single family home could be worth $1,262,688 in 12 months time, provided the home appreciation rate holds steady. That represents an equity gain of $135,288, just by holding on to the property for a year.

Hawaii Real Estate Investor Associations

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.

Frequently Asked Questions

Yes. New Silver is a private lender that offers short term loan products for house flipping projects, but we also have 30 year rental property loans for investment properties. We also cater to real estate entrepreneurs hoping to build multi-family apartments with our new construction loans.

Yes, New Silver is a private money lender that provides asset-based loans at scale. With asset-based lending, the underwriting process can be more lenient than conventional lenders. This is because the underlying value of the asset is more important than the financial background of the investor when setting the terms of a private money loan.

As a result, the financing and credit score requirements of a private money lender are less stringent, income verification is not needed and the debt-to-income ratio of the borrower doesn’t matter. Plus, we can get you approved and closed within 7 days.

Yes. We offer ground-up construction loans for real estate developers that build single family (1-4 unit) residential properties.

Importantly our private money construction loans have a maximum loan amount of $5,000,000. This can cater to residential building projects ranging from 1 to 50 units.

Yes. Our fix and flip loans can act as a bridge loan for real estate investors with a loan term ranging from 6 to 24 months in duration. More information can be found on the loan product page, together with the maximum hard money loan amounts available.

The main reason fix and flip loans have higher interest rates than a conventional lender is because of the risks involved in the transaction. Unlike a traditional loan for a residential home purchase, a fix and flip project could run over budget or the real estate market could take a turn for the worse, making the property difficult to sell quickly.

In other words, you could potentially lose money with a fix and flip. This risk is applicable to the borrower and the lender. The higher interest rate compensates for this risk, which traditional mortgage lenders don’t face.

The origination fee (loan points) of a hard money loan is usually between 2-3%, but this varies with each deal. To work out the expected monthly payments, it is best to use our hard money loan calculator.

On this point, it is also worth noting that the monthly payment of all New Silver hard money loans work on interest only payments. This helps reduce the cash flow burdens of residential real estate investors while the project is underway. Interest only payments are one of the best benefits that you can unlock by working with a reputable hard money lender like New Silver.

In short, yes. While our credit requirements of hard money lenders are not as stringent as a traditional lender, we do review the credit history of all our borrowers. If you’re worried about bad credit, it is best to look at our loan products page to see if New Silver is a good fit for your needs. Once you select an appropriate option, a loan officer will guide you through all the steps needed to access your capital.

  1. House Flipping Loan – Designed for house flippers
  2. Rental Property Loan – 30 year loan for investment properties
  3. Construction Loan – For new residential building projects
  4. Personal Loan – Private loans for whatever you need

Right now, we do not specialize in commercial loans. With that being said, our maximum loan amount should be able to provide you with enough cash to cover both residential and commercial properties.

It all boils down to the number of units. New Silver can provide capital for investment properties ranging from 1 to 50 units. If you're investing in commercial properties that are greater than 50 units, we can connect you with a partner than can provide the funds needed to complete large-scale commercial buildings.

Where We Lend

Hard Money Loans Across The US

Apply for a loan at New Silver today!

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