Fix and flip loans in Hawaii, funded in 48 hours.

Yes. PML funds fix and flip loans in all 50 states, with active flipper books in Honolulu, Hilo, Kailua, and Pearl City. Single-family, duplex, triplex, and fourplex properties. Loan size from $100,000 to $5,000,000 per asset, with cross-collateralized facility lines available for sponsors running three or more concurrent Hawaii projects. No state-line carve-outs on pricing or leverage; a Honolulu County flip prices off the same rate sheet as a Hawaii County flip.

Hawaii does not require a separate state lender license for business-purpose loans on 1 to 4 unit non-owner-occupied investment property held by an entity. PML originates Hawaii fix and flip loans under that posture, with closings handled through the customary Hawaii closing process. Loans are not consumer mortgages; they cannot be used for a primary or secondary residence. The borrower is always an LLC, LP, or corporation, never a natural person.

The bulk of Hawaii fix and flip activity in our book lands in a $485,000 to $1,200,000 ARV band, with loans typically between $390,000 and $975,000 on a single asset. Honolulu and Hilo skew toward the lower half of that band on entry-level cosmetic flips; Kahala and Kailua stretch to $2,400,000 plus on full-gut projects. We will write a Hawaii loan as small as $100,000 and as large as $5,000,000.

Hawaii is a title-company and escrow state. Closings happen at a licensed escrow office working alongside a title insurance underwriter — functionally one closing, two licensed parties on the file. PML has working relationships with escrow companies in every major Hawaii metro. A clean Hawaii file regularly closes 5 to 7 business days from term-sheet acceptance.

Hawaii imposes a state conveyance tax that runs from $0.10 to $1.25 per $100 of consideration, depending on price band and whether the buyer is owner-occupant. The buyer pays the bureau recording fee. PML’s quote on the HUD reflects the actual Hawaii tax and recording schedule for the subject county; there are no lender markups on third-party closing costs.

Atlantic hurricane season (June through November) can pause draws for 48 to 72 hours during an active warning on coastal files, but inland Hawaii sees no seasonal slowdown. Inspector clears within one business day, wire goes out within 48 hours, year-round.

Hawaii permits both judicial and non-judicial foreclosure depending on the deed instrument. Most business-purpose PML loans use a deed of trust with power of sale, allowing a non-judicial path of roughly roughly 120 to 180 days (non-judicial power of sale). As a sponsor this should never matter; as an underwriting input it shapes how our Hawaii loans price.

The Honolulu County e-recording system normally posts a deed and deed of trust the same business day they are submitted. Other major Hawaii metros (Hilo, Kailua and Pearl City) run similarly fast on e-recording. PML wires loan proceeds the day of close; the lien recording happens in parallel.

Yes. Hawaii foreclosure sales may proceed either non-judicially (where a deed of trust with power of sale is in place) or judicially through the courts. PML can fund acquisitions from either path when title is clean, with a binding term sheet inside four business hours. For non-judicial Hawaii sales, winning bid to wire in 7 to 10 calendar days is typical.

Yes. PML can close into a newly-formed Hawaii LLC even if you took the property under contract in your personal name. The closing party handles the deed transfer at closing — the property moves from your personal name into the new entity simultaneous with the loan funding, with the standard Hawaii transfer-tax treatment applied at close. We do not lend to natural persons; the borrower is always an entity. We can help structure the entity if you do not yet have one in place.