ADU Loans on Maui
Maui 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 Maui
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.
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.
Where this loan works best on Maui
- Kīhei. Dense condo inventory and single family homes with strong rental demand.
- Kahului and Wailuku. Workforce housing core with older plantation homes ideal for value-add.
- Lahaina and Kāʻanapali. Rebuild construction financing and bridge loans during permitting.
- Makawao, Pukalani and Kula. Upcountry lots and ranch homes, construction and land loans.
- Haʻikū and Pāʻia. North shore ag parcels with ohana unit potential.
Maui specifics we underwrite
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.
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.
How we fund in 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 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 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.
Same-day quote for 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.