Land loans in Hawaii (HI) · statewide
Land loans in Hawaii
Turnrow's lending partners finance non-owner-occupied land across Hawaii — coffee farms, macadamia orchards and diversified ag on former cane land. Up to $1.5M at up to 70% LTV, no tax returns, no financials, term sheet in 24–48 hours.
Today's land loan rates in Hawaii
Rates as of August 15, 2026
| Stated income / no-doc (the program) | 9.25% – 11.50% |
| WSJ Prime (benchmark) | 7.00% |
| 10-year Treasury (benchmark) | 4.20% |
Indicative ranges for business-purpose, non-owner-occupied land loans; your rate is priced per asset and quoted on your term sheet. Not an offer to lend.
The financing math in Hawaii
At 70% loan-to-value, here's what a down payment controls:
| Purchase price | Down (~30%) | Loan | Interest-only / mo* |
|---|---|---|---|
| $250,000 | $75,000 | $175,000 | $1,513 |
| $500,000 | $150,000 | $350,000 | $3,026 |
| $1,000,000 | $300,000 | $700,000 | $6,052 |
*At the midpoint of today's indicative range (10.38%), interest-only. Illustration, not a quote. Run your own numbers →
The no-doc path in Hawaii
Most Hawaii land deals die on documentation — the bank wants two years of returns showing income the land doesn't produce yet. Our lending partners underwritethe land itself: whether the collateral is coffee farms or any other working ground, the checklist is the application, an appraisal, title, and a close.
A 680+ credit score qualifies the borrower; the land carries the rest. Partner lenders close to individuals, LLCs, trusts and partnerships — purchases, refinances, cash-out and bridge — and because the loan is business-purpose and asset-based, Hawaii files move from application to term sheet in 24–48 hours.
FSA vs. Farm Credit vs. Turnrow
FSA offers subsidized rates with government paperwork, caps and timelines. Farm Credit associations underwrite your income, history and membership. Turnrow underwrites the dirt — fastest when the land is strong and the paperwork isn't. Many Hawaii borrowers use us to win the deal, then refinance into subsidized debt later. That's fine by us.
Programs available in Hawaii
- Vineyard Financing
- Winery Financing
- Farm Land Loans
- Ranch Financing
- Orchard & Grove Financing
- Agricultural Bridge Loans
- Raw & Transitional Land
- Investment Farm Loans
Hawaii land loan questions
How much down payment do I need for a land loan in Hawaii?
Turnrow's lending partners lend up to 70% of appraised value in Hawaii, so plan on roughly 30% down. On a $500,000 property that's about $150,000 down — with no tax returns or income documentation required.
Can I get a Hawaii land loan without tax returns?
Yes. The stated-income program underwrites the land itself — application, appraisal, title, close. No tax returns, no P&Ls, no farm financials, for loans up to $1.5M anywhere in Hawaii.
How is this different from Farm Credit or an FSA loan in Hawaii?
FSA programs carry government paperwork and caps; Farm Credit associations underwrite your income and history. Turnrow's lending partners underwrite the dirt: 680+ credit and a clean appraisal is the whole checklist, which is why Hawaii files move to a term sheet in 24–48 hours.
What is farmland worth in Hawaii right now?
USDA's national survey excludes Hawaii from its published state tables; values are driven tract-by-tract. Your appraisal sets the number your loan is based on.
Written & reviewed by Ryan, Principal at TurnrowLast reviewed August 15, 2026
Also lending in