Compare all 10 wholesale investor loan programs in Hawaii (HI) on Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC. Underwritten for Hawaii's Judicial (Primary) / Non-Judicial Statutory legal framework (190–280 days-day average timeline), 0.31% average property tax rate, and $795,000 median 1–4 unit acquisition price.
| HI Program | Max Leverage | 2026 Rate Band | Min FICO | Close Speed | HI Desk |
|---|---|---|---|---|---|
| Hawaii DSCR Loans | Up to 80% LTV Purchase / 75% Cash-Out | 6.375% – 8.25% (Wholesale Tier Dependent) | 620 – 660+ FICO | 14 – 21 Business Days | HI Specs → |
| Hawaii Hard Money Loans | Up to 85%–90% LTC / 75% ARV | 9.25% – 11.50% Interest-Only | 600 – 640+ FICO (Asset-Backed) | 5 – 10 Business Days | HI Specs → |
| Hawaii Private Money Loans | Up to 80% LTV / 85% LTC | 8.99% – 11.25% Interest-Only | Flexible Credit / Equity-Driven | 7 – 12 Business Days | HI Specs → |
| Hawaii Fix & Flip Loans | Up to 90% Purchase + 100% Rehab (75% ARV Cap) | 9.25% – 11.25% Interest-Only | 620 – 660+ FICO | 7 – 10 Business Days | HI Specs → |
| Hawaii Bridge Loans | Up to 80% LTV Acquisition / 75% Bridge Cash-Out | 8.75% – 10.99% Interest-Only | 640+ FICO | 10 – 15 Business Days | HI Specs → |
| Hawaii Ground-Up Construction | Up to 85% LTC / 70%–75% Completed ARV | 9.75% – 11.75% Interest-Only on Drawn Funds | 660+ FICO | 14 – 21 Business Days | HI Specs → |
| Hawaii Multifamily (5+ Units) | Up to 75%–80% LTV Purchase / 70%–75% Cash-Out | 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) | 660+ FICO | 21 – 30 Business Days | HI Specs → |
| Hawaii Commercial Property | Up to 75% LTV | 6.875% – 8.99% | 660+ FICO | 21 – 30 Business Days | HI Specs → |
| Hawaii Rehab & BRRRR Loans | Up to 85%–90% LTC + 100% Rehab Escrowed | 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) | 620+ FICO | 7 – 12 Business Days | HI Specs → |
| Hawaii Cash-Out Refinance | Up to 75% LTV Cash-Out (Select 80% LTV Tiers) | 6.625% – 8.375% | 640 – 680+ FICO | 14 – 21 Business Days | HI Specs → |
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