Hard money loans on Lānaʻi
A unique single-owner island with a small but real market in Lānaʻi City.
- Local property inspection
- Same-day quote
- $1,500 retainer to start
- Fee simple and leasehold
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
Why Lānaʻi investors borrow from us
Roughly 98% of Lānaʻi is privately held by a single owner, which makes the island's fee simple residential market in Lānaʻi City one of the most unusual in the United States. Plantation-era homes on small lots change hands rarely, and demand from resort employees and second-home buyers keeps values steady.
We lend on Lānaʻi City homes and the limited number of privately held lots. Because comps are scarce, we underwrite from on-island inspection and rental demand rather than automated valuation models.
The Lānaʻi market right now
Most inventory is 1920s to 1950s plantation homes. Renovations that modernize systems while preserving character resell well to resort staff and second-home buyers.
Neighborhoods and what works there
Lānaʻi City
The only residential town; plantation homes on fee simple lots.
Mānele
Resort-adjacent luxury lots with limited availability.
Leasehold, permits and ADUs on Lānaʻi
Leasehold on Lānaʻi
Lānaʻi residential lots in Lānaʻi City are predominantly fee simple. Resort-area parcels may carry unique covenants that we review at title.
Permitting
Maui County permitting applies, with additional review for the island's community plan. Contractors and materials typically ship from Maui.
ADU and ohana units
Small lot sizes in Lānaʻi City limit ADU feasibility. Renovation and bridge loans are our most common Lānaʻi products.
Opportunities, watch-outs and a worked example
Opportunities
- Steady long-term rental demand from resort staff.
- Little competition from other capital sources.
- Historic homes with renovation upside.
What we watch for
- Extremely thin market with long exit timelines.
- Contractor and material logistics add cost and time.
- Resort employment concentration ties demand to a single employer.
A plantation home in Lānaʻi City, illustrative numbers.
- Purchase
- $520,000
- Rehab
- $80,000
- ARV
- $780,000
- Our loan
- $324,000
- Down payment and unfunded rehab
- $276,000
- 8 months interest
- $25,920
Loan programs on Lānaʻi
Fix and Flip Loans on Lānaʻi
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
ExploreBridge Loans on Lānaʻi
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans on Lānaʻi
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreADU Loans on Lānaʻi
Finance an accessory dwelling unit and turn one property into two incomes.
ExploreLand and Lot Loans on Lānaʻi
Buy the lot now, build or entitle later. Private financing for raw and improved land.
ExploreMulti-Family Loans on Lānaʻi
Duplexes, triplexes, small apartment buildings and value-add rentals.
ExploreCommercial Real Estate Loans on Lānaʻi
Retail, office, mixed-use, industrial and hospitality properties across the islands.
ExploreLeasehold Property Loans on Lānaʻi
We lend on leasehold. Most lenders will not.
ExploreCash-Out Refinance on Lānaʻi
Unlock equity in property you already own to fund your next deal.
ExploreAuction and Foreclosure Loans on Lānaʻi
Fast capital for courthouse steps, trustee sales and REO purchases.
ExploreProbate and Estate Loans on Lānaʻi
Capital for heirs, trustees and buyers of inherited property.
ExploreHow we fund on Lānaʻi
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.
Lānaʻi lending questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you lend on Lānaʻi?
Yes, on fee simple homes and lots in and around Lānaʻi City. We size conservatively and plan for extended marketing on exit.
How do you value a Lānaʻi property with so few comps?
We combine on-island inspection, recent Lānaʻi City sales, rental demand and replacement cost to arrive at a conservative value.
What is the retainer for a Lānaʻi loan?
Outer-island loans carry a $1,500 retainer to begin paperwork once you accept a quote. Your written quote explains how it is applied at closing.
Get a same-day quote on Lānaʻi
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.