ADU Loans on Kauaʻi
Kauaʻi ADU rules are set by the county, and we know them. We help you confirm eligibility before you spend on plans, then fund the build in draws.
- No credit minimum
- Same-day quote
- Close in days
- All six islands
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
- Leverage
- Up to 70% of combined completed value
- Draws
- Foundation, framing, rough-in, finish
- Rate
- About 12% a year (1% a month), interest only
- Term
- 12 to 18 months
- Exit
- Refinance or sale
- Units
- Detached, attached or conversion
Using a adu loan on Kauaʻi
Every county in Hawaiʻi has loosened accessory dwelling unit rules in recent years, and ADUs are now the most accessible way to add a rental unit without buying another property. Banks struggle to finance them because the value is not there yet. We lend to the completed value.
Kauaʻi has the smallest housing inventory of the four main islands and some of the strictest growth controls, which keeps values high and supply scarce. That scarcity is exactly why renovated homes in Kapaʻa, Līhuʻe and Kōloa sell quickly at strong prices.
Where this loan works best on Kauaʻi
- Līhuʻe and Puhi. Employment center with workforce housing demand.
- Kapaʻa and Wailua. East-side homes and condos with the deepest resale pool.
- Princeville and Hanalei. Luxury renovations and construction on the north shore.
- Kōloa and Poʻipū. Resort-zoned condos and south-shore homes.
- Kalāheo and Lāwaʻi. Ag lots with ohana potential.
Kauaʻi specifics we underwrite
Kauaʻi County allows additional rental units and guest houses on qualifying lots, with additional rental units required to be long-term rentals. We finance ARU construction in draws.
Kauaʻi County allows additional rental units and guest houses on qualifying lots, with additional rental units required to be long-term rentals. We finance ARU construction in draws.
How we fund in Kauaʻi
Tell us about the property
Island, property type, purchase price, estimated after-repair value and your exit plan. Takes two minutes and needs no personal financial documents.
Same-day quote
We come back with loan amount, rate and structure. No committee, no runaround.
Property evaluation
We inspect the asset and verify title. Local knowledge means this step moves fast.
Fund and close
Sign documents, record the deed of trust, receive funds. Pay interest only until you sell or refinance.
Kauaʻi adu loans questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
What are the ADU rules on Oʻahu?
Honolulu allows ADUs up to 800 square feet on qualifying residential lots with adequate parking and infrastructure. Recent ordinances expanded eligibility.
Can I get an ADU loan on the Big Island?
Yes. Hawaiʻi County adopted a 2024 ordinance allowing additional dwelling units on most residential and ag lots subject to wastewater capacity.
How is the loan repaid?
Typically by refinancing the property once the ADU is complete and rented, or by selling.
Do you lend on Kauaʻi?
Yes, island-wide. Kauaʻi loans carry the $1,500 outer-island retainer and we schedule a property visit early in the process.
Can you finance a Kauaʻi vacation rental purchase?
If the property is in a Visitor Destination Area or holds a nonconforming use certificate, yes. Otherwise we underwrite to a long-term rental or resale exit.
Same-day quote for Kauaʻi
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.