Bridge Loans Hawaii
Bridge a Hawaii deal from Honolulu and Oahu to Maui, Kauai and the Big Island. In one of the highest-value, most inventory-constrained markets in the country – with heavy tourism and short-term-rental demand – we fund the gap on the property and exit so you can close fast.
- Asset-based – we lend on the property and the exit, not your tax returns
- Up to 95% LTC · no maximum loan amount · no cap on the number of properties
- Honolulu/Oahu, Maui, Kauai, Kailua-Kona & Hilo
- SF, 2-4 unit, multifamily, mixed-use, retail/office & land
- 6-24 mo interest-only · rates from 7.625% (subject to change) · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Hawaii Bridge Loans – Key Facts (2026)
- What it is: A short-term, asset-based loan that bridges the gap between buying and selling or refinancing – funded on the property and the exit, not your income.
- Best for: Oahu and neighbor-island fast-close purchases, short-term-rental acquisitions, and reposition before a DSCR refinance.
- Leverage: Up to 95% LTC · no maximum loan amount · no cap on the number of properties. Rates: from 7.625% (subject to change) · 1-3 points.
- Terms: 6-24 month interest-only with extension options, or refinance to a 30-40 yr DSCR/permanent loan. Funding: as fast as 5 days.
- Property types: SF, 2-4 unit, multifamily, mixed-use, retail/office, and land.
- Lender: CambridgeHomeLoan.com – direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Bridge financing in Hawaii
What is a bridge loan in Hawaii?
A Hawaii bridge loan is short-term, asset-based capital secured by the property. High prices, limited land, and strong tourism and short-term-rental demand make Hawaii deals competitive – a bridge lets you win the contract, then refinance to a DSCR loan or sell.
| Secured by | The property (asset-based) – no personal income used |
| Max leverage | Up to 95% LTC · no maximum loan amount · no cap on number of properties |
| Rates from | 7.625% (subject to change, deal-dependent) · 1-3 points |
| Terms | 6-24 mo interest-only · extension options · DSCR/permanent exit |
| Funding speed | As fast as 5 days |
| Property types | SF, 2-4 unit, multifamily, mixed-use, retail/office, land |
| Area | Statewide – Honolulu and Oahu, Maui, Kauai, and Hawaii Island (Kona and Hilo) |
Eligible properties
Hawaii bridge loan property types
We bridge investment and business-purpose real estate across the board – residential, multi-family, and commercial:
How we compare
CambridgeHomeLoan vs. Top National Bridge Lenders
Hawaii investors shop bridge financing on leverage, speed, and cost. Here is how our program stacks up against terms commonly advertised by top national bridge lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 80-85% |
| Max loan amount | No maximum | Often capped |
| # of properties | No cap | Often limited |
| Rates from | 7.625% (STC) | ~10-13%+ |
| Term | 6-24 mo + extensions | 6-12 mo |
| Exit | Sale or 30-40 yr DSCR refi | Interest-only only |
| Funding speed | As fast as 5 days | 10-21 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the bridge market as of 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Hawaii market data
Hawaii bridge market at a glance (2026)
Representative 2026 indicators for underwriting context – confirmed per deal by an as-is (and, where relevant, after-repair) appraisal.
Hawaii bridge deals by the numbers (2026)
- Tight, high-value market: limited land and inventory across the islands reward buyers who can close fast.
- Tourism and STR: Maui, Kona and Oahu resort areas drive short-term-rental demand (subject to county rules).
- Neighbor-island range: the Big Island and Kauai offer relatively lower entries than Oahu for value-add.
Market context is qualitative and provided for illustration only; figures are third-party estimates confirmed per deal by appraisal.
Hawaii submarkets
Where Hawaii bridge deals pencil
Hawaii bridge deals pencil on Oahu (Honolulu) and across Maui, Kauai and the Big Island.
| Market | Typical price band (2026)* | Bridge angle |
|---|---|---|
| Honolulu / Oahu (Honolulu) | $600K-$1.5M+ | Largest market; fast resale |
| Kailua-Kona (Hawaii) | $500K-$1.2M | Big Island STR; resort demand |
| Hilo (Hawaii) | $350K-$700K | More affordable; value-add |
| Kahului / Maui (Maui) | $700K-$1.6M | Resort STR reposition |
| Lihue / Kauai (Kauai) | $600K-$1.4M | Tight supply; tourism |
| Pearl City (Honolulu) | $650K-$1.1M | Oahu suburban resale |
*Approximate 2026 ranges for illustration – verify current comps for the specific address (an appraisal sets the value we lend against).
Free tool
Hawaii bridge loan calculator
Enter your numbers and see your bridge loan, down payment, cash to close, interest-only payment, and financing cost instantly. We lend up to 95% of total cost (purchase plus rehab) – no maximum loan amount. Illustrative only; final loan uses an appraisal.
Your deal
Illustrative only; not a commitment to lend. Rate shown is a working input; program rates start at 7.625% (subject to change). Excludes taxes, insurance, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Hawaii bridge loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application – or call (800) 826-5077.
Worked example
A real Hawaii bridge deal
A Hawaii investment deal bought at $520,000 with a $60,000 rehab/capex budget (total cost $580,000): at up to 95% LTC we bridge about $551,000, leaving roughly $29,000 down (about 5%). With 2 points (about $11,020) and an interest-only payment near $4,128/mo, estimated cash to close is about $40,020 on a 12-month term, with exit by sale or a 30-40 yr DSCR/permanent refinance. No maximum loan amount and no cap on the number of properties. Illustrative only; rates start at 7.625% (subject to change) and value is confirmed by appraisal.
Programs
Hawaii bridge loan programs
| Purchase bridge | Buy before you sell; fast close on a competitive deal |
| Refinance / payoff bridge | Pay off a maturing loan or partner; buy time to sell or refi |
| Cash-out bridge | Pull equity fast for the next acquisition or renovation |
| Reposition / stabilize | Value-add, lease-up, then refinance to permanent |
| Auction & proof of funds | Close fast on courthouse and REO buys |
| Rehab-to-rent (BRRRR) | Bridge now, refinance to a 30-40 yr DSCR loan |
Requirements
Hawaii bridge loan requirements
| Down / equity | As little as 5% of cost at up to 95% LTC |
| Loan amount | No maximum loan amount |
| Portfolio | No cap on the number of properties |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; experienced investors get higher leverage |
| Valuation | As-is appraisal; ARV and scope of work if a rehab bridge |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale or refinance to a 30-40 yr amortized / DSCR loan |
Answers
Hawaii bridge loan FAQ
Why use a bridge loan in Hawaii?
Hawaii is high-value and inventory-constrained, and deals move fast. A bridge closes in as few as 5 days on the asset, then you refinance to a DSCR loan or sell.
Can I bridge a short-term rental in Hawaii?
Yes, subject to county short-term-rental rules. We bridge the acquisition or reposition on the property, then you can refinance to a 30-40 year DSCR loan on rental income.
Keep exploring
Related Hawaii investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Bridge loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTV, term, and leverage are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. “No maximum loan amount” and “no cap on the number of properties” are subject to underwriting, and rates from 7.625% are subject to change without notice. Values are estimates confirmed by an appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and interest costs. Market statistics are third-party estimates for illustration only. This page is informational and does not constitute financial, legal, tax, or investment advice.