Hard money loans on Maui
High-value resort and residential markets with a rebuild story in West Maui.
- 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 Maui investors borrow from us
Maui combines some of the highest home values in the state with a construction and rebuild pipeline unlike anywhere else in Hawaiʻi. Central Maui towns like Kahului and Wailuku offer workforce housing flips, while Kīhei, Wailea and Kāʻanapali carry resort-grade values.
We have funded Maui deals for years and we underwrite them island-wide, from Haʻikū ag lots to Kīhei condos. We understand the county's permitting cadence and the specific constraints of the post-2023 Lahaina recovery.
The Maui market right now
Maui prices are resilient because supply is structurally limited. Resort condos trade on cash flow, while upcountry and central Maui homes trade on lifestyle demand from local buyers.
Neighborhoods and what works there
Kahului and Wailuku
Workforce housing core with older plantation homes ideal for value-add.
Kahului loansLahaina and Kāʻanapali
Rebuild construction financing and bridge loans during permitting.
Lahaina loansHaʻikū and Pāʻia
North shore ag parcels with ohana unit potential.
Wailea and Mākena
Luxury renovations where finish quality drives multi-hundred-thousand ARV gains.
Leasehold, permits and ADUs on Maui
Leasehold on Maui
Leasehold is less common on Maui than Oʻahu but appears in some Kīhei and Kāʻanapali condo projects. We evaluate each on remaining term and the lessor's history of fee conversions.
Permitting
Maui County permitting has historically been among the slowest in the state, though the county has added staff and online intake since the 2023 fires. Build permit contingencies into your timeline and use a bridge loan if you need to hold land while permits process.
ADU and ohana units
Maui County permits ohana units and accessory dwellings on many residential and agricultural lots, with size tied to lot size. Recent county measures encourage long-term rental ADUs, and we finance ground-up ohana construction in draws.
Opportunities, watch-outs and a worked example
Opportunities
- Lahaina rebuild creates multi-year demand for construction and bridge capital.
- Long-term rental conversion of former vacation units at reset prices.
- Central Maui workforce housing flips with reliable local buyer demand.
What we watch for
- The Minatoya list phase-out of short-term rentals in apartment districts changes the exit for some condo investors.
- Wildfire risk zones affect insurance costs and availability in West and Upcountry Maui.
- Water meter availability can delay Upcountry construction.
A plantation-era home in Wailuku, illustrative numbers.
- Purchase
- $780,000
- Rehab
- $140,000
- ARV
- $1,200,000
- Our loan
- $658,000
- Down payment and unfunded rehab
- $262,000
- 8 months interest
- $52,640
Loan programs on Maui
Fix and Flip Loans on Maui
Up to 75% of after-repair value and 80% of rehab costs. Buy, renovate, sell, repeat.
ExploreBridge Loans on Maui
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans on Maui
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreADU Loans on Maui
Finance an accessory dwelling unit and turn one property into two incomes.
ExploreLand and Lot Loans on Maui
Buy the lot now, build or entitle later. Private financing for raw and improved land.
ExploreMulti-Family Loans on Maui
Duplexes, triplexes, small apartment buildings and value-add rentals.
ExploreCommercial Real Estate Loans on Maui
Retail, office, mixed-use, industrial and hospitality properties across the islands.
ExploreLeasehold Property Loans on Maui
We lend on leasehold. Most lenders will not.
ExploreCash-Out Refinance on Maui
Unlock equity in property you already own to fund your next deal.
ExploreAuction and Foreclosure Loans on Maui
Fast capital for courthouse steps, trustee sales and REO purchases.
ExploreProbate and Estate Loans on Maui
Capital for heirs, trustees and buyers of inherited property.
ExploreCity and town pages
Read before you buy
How we fund on Maui
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.
Maui lending questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you lend on Maui or only on Oʻahu?
We lend across Maui, from Kīhei to Haʻikū to West Maui. Outer-island loans carry a $1,500 retainer to begin paperwork.
Can you finance a Lahaina rebuild?
Yes. We offer construction loans with draw schedules for owners and investors rebuilding in West Maui, and bridge loans to carry lots while permits are processed.
Do you fund Maui vacation rental condos?
We evaluate the exit carefully given the county's changing short-term rental rules. Condos with permitted resort zoning and strong long-term rental fallback are financeable.
What is the retainer for a Maui 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 Maui
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.