Hawaii Bridge Loans provide business-purpose real estate investors with Up to 80% LTV Acquisition / 75% Bridge Cash-Out across loan amounts from $100,000 – $15,000,000+ at 8.75% – 10.99% Interest-Only (12, 24 & 36 Months (With Extension Options), 640+ FICO min FICO, 10 – 15 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).
Real estate bridge loans provide transitional interest-only financing to acquire vacant or under-market properties, complete value-add lease-up on 5–25+ unit apartments, execute 1031 exchanges, or unlock equity prior to refinancing into a long-term 30-year fixed DSCR loan.
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.