Honolulu, HI's Trusted Hard Money Lender for Real Estate Investors

Honolulu's real estate market operates under constraints few mainland investors fully grasp — finite land, import-driven construction costs, and permitting timelines that reward patience and punish slow capital. When a Kaka'ako condo conversion or a Kaimuki renovation opportunity appears, investors need a lender who understands island economics, not a generic underwriting matrix.

Unitas Funding provides private real estate loans for investors throughout Honolulu and Oahu — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring mainland-caliber capital and speed to the Hawaiian market.

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Fast, Reliable Capital for Your Next Honolulu Deal

Honolulu's severe housing supply constraints and consistently high demand support strong appreciation for investors who can execute — but shipping delays and specialty labor make timeline slippage costly. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours.

Fix & Flip Loans

Fix & Flip Loans

Kaimuki and Manoa's plantation-era single-family homes are prime renovation targets, where updated interiors and hurricane-code improvements drive strong resale in a supply-starved market. Unitas funds acquisition and rehab budget together so Oahu investors don't lose momentum waiting on materials.

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New Construction Loans

New Construction Loans

Vertical development near Kaka'ako and Ala Moana continues as Honolulu adds density close to the urban core. Our construction loans fund lot acquisition through build-out with 24-48 hour draws to keep island projects on schedule despite shipping lead times.

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Bridge Loans

Bridge Loans

Need to close on a Waikiki-adjacent acquisition before permanent financing clears? Unitas bridge loans give Honolulu investors the short-term capital to secure deals in one of the nation's most competitive markets.

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DSCR Loans

DSCR Loans for Rental Properties

Honolulu's persistent rental demand from military, tourism, and healthcare workers makes DSCR loans a strong fit for investors building portfolios in Kaimuki, Manoa, or Kalihi. We qualify the property's income rather than personal tax returns.

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What Makes Unitas Different in Honolulu

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas brings mainland-scale funding certainty to island deals — while operating as a direct lender that gives Honolulu investors real answers fast.

  2. Local Honolulu Market Expertise
    Our team underwrites Oahu's unique cost structure, from shipping-driven material costs to Kaka'ako's high-rise redevelopment, rather than applying a one-size-fits-all mainland model.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Honolulu projects moving even when supply chains introduce delays elsewhere in the build.

  4. A Track Record Built in Honolulu
    We've funded projects across Kaimuki, Manoa, and the urban core, building the local track record Oahu investors and agents rely on for certainty of close.

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Get Pre-Approved in 24 Hours
Ready to move on your next Honolulu deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a loan in Honolulu?

Most Honolulu transactions close within 10 business days of a completed application, with our team coordinating directly with Hawaii-based title and escrow companies.

Does Unitas account for Hawaii's higher construction costs?

Yes, our underwriting reflects island-specific material and labor costs rather than mainland averages, so loan sizing matches the real budget for Honolulu projects.

What loan-to-cost is available for Oahu fix-and-flips?

Qualified Honolulu investors can access up to 92.5% loan-to-cost on both acquisition and renovation budget.

Can Unitas finance new construction on Oahu?

Yes, our construction program funds ground-up and vertical development throughout Honolulu County, including infill near Kaka'ako.

What areas of Oahu does Unitas serve?

We fund deals throughout Honolulu County, including the Windward side, Central Oahu, and the North Shore, in addition to the urban core.

Ready to Fund Your Next Honolulu Real Estate Investment?

Unitas Funding delivers the capital certainty Honolulu investors need in one of the nation's tightest, most competitive real estate markets. From Kaimuki renovations to Kaka'ako development, we fund projects across Oahu. Contact us today to discuss your Honolulu investment property financing.

Unitas Funding has funded 30+ deals for investors in and around Honolulu, HI.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.