Everything investors ask before they call

Up to 80% of the repair budget, released in draws as work is completed and inspected.

After-repair value is what the finished property will sell for. We use recent sales of comparable renovated homes in the same neighborhood, adjusted for size, condition and lot.

A bridge loan is defined by its short-term exit: a refinance or sale that is already in motion. Structure and pricing are similar, but the term is usually shorter.

Yes. Cross-collateral bridge loans use equity in an owned property to fund a new purchase.

Yes. We can fund the lot at closing and the construction in draws afterwards on one loan.

Yes, with a realistic budget and schedule. Licensed contractor projects generally qualify for higher leverage.

Honolulu allows ADUs up to 800 square feet on qualifying residential lots with adequate parking and infrastructure. Recent ordinances expanded eligibility.

Yes. Hawaiʻi County adopted a 2024 ordinance allowing additional dwelling units on most residential and ag lots subject to wastewater capacity.

Yes. Ag-zoned parcels with legal access and a realistic use plan qualify.

Yes. We structure many land loans with a planned conversion to construction financing.

We routinely fund 2 to 20 unit buildings. Larger projects are evaluated case by case.

Yes, through a rehab holdback released as units are completed.

Yes. Vacant and transitional assets are a core use case for private commercial loans.

Yes, for business-purpose loans on commercial property. Many owner-users bridge with us and refinance into SBA financing.

The remaining term must comfortably exceed the loan term. We prefer 15 or more years remaining but evaluate shorter leases with a strong exit.

Yes. We fund the purchase of the fee interest, and the resulting fee simple property is easier to sell or refinance.

No. Our loans are business-purpose only and secured by non-owner-occupied property.

Typically up to 60% of the property value, less any existing liens that must be paid off.

We issue a pre-approval for a specific property and maximum amount. Funds release after you win and the confirmation period passes.

We evaluate case by case. Occupied properties carry eviction timelines that affect the exit.

Yes, with authority from the probate court or the trust document. We coordinate with your attorney.

Yes. This is one of the most common uses of an estate loan.

For a straightforward purchase with clear title we typically close within 15 business days of retainer, and often faster. Our office is in Honolulu, so property visits, document signing and recording all happen locally.

We lend across Maui, from Kīhei to Haʻikū to West Maui. Outer-island loans carry a $1,500 retainer to begin paperwork.

We lend in zones 3 and above without restriction. For zones 1 and 2 we look closely at your exit, because end buyers often cannot get conventional financing there.

Yes, island-wide. Kauaʻi loans carry the $1,500 outer-island retainer and we schedule a property visit early in the process.

Yes. We are one of very few lenders who do. We size loans conservatively and plan for longer marketing periods on exit.

Yes, on fee simple homes and lots in and around Lānaʻi City. We size conservatively and plan for extended marketing on exit.