Hawaii
Fix and Flip Loans in Hawaii
Purchase plus rehab, released in draws. I am licensed in Hawaii and I shop this across 175+ lenders.
Fix and flip lending is asset-based and fast. The lender is underwriting the deal, not your tax returns.
How the money works
Most programs lend a percentage of purchase plus a percentage of the rehab budget, with the rehab released in draws as the work passes inspection. You bring the gap and the carrying costs. Terms are short — commonly 12 to 18 months — and interest-only.
The number that decides everything is after-repair value. The lender's cap is a percentage of ARV, so if your ARV is optimistic, your loan shrinks at the worst possible moment.
Hawaii specifics
Median ZIP value here is $839,019, with the tenth percentile around $399,983 and the ninetieth around $1,317,083. That spread is where flips live — buying below the median and selling toward it.
Active metros: Urban Honolulu · Hilo · Kahului-Wailuku-Lahaina · Kapaa
At these price levels the carrying cost of a short-term loan is the dominant risk. A month of delay is expensive money.
What lenders want
Experience helps and is not always required. Credit in the 620s and up. Real money in the deal. A rehab budget that a contractor could actually execute, not a number you worked backwards from.
Where this sits in Hawaii
Median ZIP value across Hawaii is $839,019 across 78 ZIP codes. The cheaper tenth of ZIPs run near $399,983 and the top tenth near $1,317,083. That spread matters: the same program behaves very differently at $399,983 than it does at $1,317,083.
| Largest metro | Median value | ZIP codes |
|---|---|---|
| Urban Honolulu | $871,575 | 28 |
| Hilo | $552,205 | 24 |
| Kahului-Wailuku-Lahaina | $937,390 | 14 |
| Kapaa | $950,378 | 12 |
Zillow public home value index, as of 2026-08-31. Market data, not an appraisal of your property and not a quote.
More detail on the program itself is on my fix and flip loans page, and the rest of what I write in the state is on the Hawaii mortgage broker page.
Get a free rate quote.
No application. No credit pull. A written comparison across 175+ lenders, with the APR on each.
Let's look at your numbers
Questions people ask
Do you write fix and flip loans in Hawaii?
Yes. I am licensed in Hawaii under NMLS #487617 and I shop this program across 175+ lenders rather than offering one lender's version of it.
What is the median home value in Hawaii?
About $839,019 across 78 ZIP codes, from Zillow's public home value index as of 2026-08-31. Your own ZIP may be well above or below that.
How do I start?
Send me your numbers or book fifteen minutes. No credit is pulled to start and there is no application to get a comparison.
Do I need to live in Hawaii to use this?
No. The property has to be in a state I am licensed in. Where you live does not matter, and a good share of my Hawaii files are for people who live somewhere else.
How many lenders do you actually compare?
175+. A bank can only offer its own product, so if you do not fit it you hear no. I put the ones that fit side by side with the APR on each, and if your current deal already wins I will tell you.
What does it cost to talk to you?
Nothing. I am paid when a loan closes and the compensation is disclosed on your Loan Estimate. If the answer is to keep what you have, it cost you fifteen minutes.
Let’s look at your numbers
Fifteen minutes. Your real numbers. No pressure.
Call or text my cell, or book a time. You’ll get a written comparison with real terms and an APR on every option, and if your current deal already wins, I’ll tell you.