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Fix & Flip · Hawaii

Fix & flip loans in Hawaii — fund the deal, keep your cash.

Mortava fix & flip loans in Hawaii: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Hawaii is premium-priced properties with exceptional short-term-rental income potential. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Honolulu, Hilo, Kailua and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Hawaii project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Hawaii projects with Mortava

In a market like Hawaii, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Honolulu, Hilo, Kailua deals and recycle capital into the next project faster.

Hawaii combines premium nightly rates with permanent supply constraints — where short-term rentals are permitted, the income potential is exceptional. Honolulu price points make leverage structure, not price, the deciding factor.

Top metros we fund
Honolulu, Hilo, Kailua
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in Hawaii

Not every Hawaii flip has to sell. In short-term-rental markets like Honolulu, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

Hawaii fix & flip loan FAQ

Can I get a fix and flip loan in Hawaii?
Yes. Mortava funds fix & flip projects across Hawaii, including Honolulu, Hilo, Kailua. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Hawaii flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Hawaii.
Do you fund first-time flippers in Hawaii?
Yes — first-time flippers are welcome in Hawaii with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in Hawaii?
Yes — a common Hawaii exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Honolulu.
Do you fund flips in Honolulu and Hilo?
Yes — Honolulu, Hilo, Kailua and every other Hawaii market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in CaliforniaFlip in ColoradoFlip in ConnecticutFlip in DelawareFlip in FloridaFlip in GeorgiaFlip in IdahoFlip in IllinoisFlip in IndianaFlip in IowaFlip in KansasFlip in Kentucky
All Fix & Flip programs → DSCR loans in Hawaii → Instant quote & pre-qualify →
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