Licensed & LendingHard Money & DSCR Loans in Hawaii
Capital Kings funds 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.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
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
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Hawaii fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Hawaii buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Hawaii growth corridors specifically.
Active Markets
Cities We Fund Across Hawaii
Active lending across Hawaii's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Hawaii Investors
Lenders who actually fund in Hawaii
Available statewide for Hawaii investors.
DSCR loans for licensed STR properties
Available statewide for Hawaii investors.
Fee simple and leasehold both considered
Available statewide for Hawaii investors.
Common Questions
Hawaii Lending FAQ
Do you lend hard money loans in Hawaii?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Hawaii through our 270+ lender network. We close Hawaii deals in as little as 7 days.
What cities in Hawaii does Capital Kings lend in?
We fund 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 fund 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?
As little as 0% down on the right deal. Most Hawaii hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Hawaii can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Hawaii Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Hawaii deal we close.
M
Founder & Broker
Micah Foster
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.
Connect With Micah →Ready to fund your Hawaii deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
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.