FIX & FLIP LOANS · Hawaii (HI) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Hawaii Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Hawaii Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 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).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

HI Security Instrument

Judicial (Primary) / Non-Judicial Statutory

190–280 days days avg timeline

HI Avg Tax & Ins

0.31% Tax

$520/$100K Hazard Ins