Capital Kings brokers investment property loans in Hawaii. Hard money, DSCR, and bridge across Oahu, Maui, Kauai, and the Big Island. Hawaii is a specialty market most national lenders dodge, which is why a broker with the right relationships is essential here.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Hawaii
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
Loan Products
Capital That Funds Hawaii Deals
Hawaii pricing is in a category of its own and so is the underwriting. Our network includes lenders who actually fund in HI, understand short-term-rental zoning by county, and know the difference between fee simple and leasehold. Whether it's a Honolulu condo flip or a Big Island STR acquisition, we have the relationships to close.
Fix & Flip
Hard Money for Flips
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Hawaii flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Hawaii buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Hawaii growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Hawaii
Active lending across Hawaii's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Hawaii before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Hawaii Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Lenders who actually fund in Hawaii
DSCR loans for licensed STR properties
Fee simple and leasehold both considered
Common Questions
Hawaii Lending FAQ
Do you lend hard money loans in Hawaii?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Hawaii through our 350+ lender network. We close Hawaii deals in as little as 7 days.
What cities in Hawaii does Capital Kings lend in?
We broker investor loans statewide in Hawaii, with active deal flow in Honolulu, Hilo, Kailua-Kona, Kahului, Pearl City and the surrounding metros.
Do you offer DSCR rental loans in Hawaii?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we broker DSCR rentals across Hawaii on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Hawaii hard money loan close?
Most Hawaii fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Hawaii fix-and-flip loan?
It depends on the deal. Most Hawaii hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Hawaii Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Hawaii deal we close.
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Hawaii are originated by partner lenders licensed to lend in Hawaii. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.
Broker, Not a Lender