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Hawaii mortgage answers from Richie

Straight answers to the questions Hawaii buyers, investors and agents ask me most, with real numbers from real deals.

65+Lenders
CondosNon-warrantable specialist
VAIRRRL specialist
OahuLocal broker

Latest

Can You Get a Mortgage on a Non-Warrantable Condo in Hawaii?

October 26, 2026

How I finance Honolulu buildings banks turn down, with real Punahou Gardens numbers. Read more →

Where to Buy on Oahu

Guide

Where to buy a home on Oahu: Honolulu condos, Ewa and Kapolei, Central Oahu, Windward, North Shore and Waianae, with the loan programs that fit each area. Read more →

New Builds vs. Existing Homes on Oahu

Guide

New construction or resale on Oahu? Compare Hoʻopili, Koa Ridge and Kakaʻako towers with existing homes: builder incentives, preferred lenders, HOA fees, new condo financing and negotiating room. Read more →

Short-Term Rental Tax Strategy for Hawaii W-2 Earners

Guide

How a short-term rental, cost segregation and 100% bonus depreciation can offset W-2 income, which Hawaii rentals qualify, and a worked 2026 example. Financing from 65+ lenders. Read more →

Have a scenario? Let's look at it.

Ten minutes is enough to know if there's a deal worth chasing. If there isn't, I'll tell you that too.

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