Fix and Flip Loans on Maui
Maui flips succeed when the renovation matches what local buyers want. We know which finishes and layouts move quickly on Maui, and we size the loan to a realistic ARV rather than an optimistic one.
- 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
- Purchase leverage
- Up to 75% of ARV
- Rehab funding
- Up to 80% of repair costs
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 18 months
- Draws
- Rehab funds released on inspection
- Prepayment
- Pay off early when you sell
Using a fix and flip loan on Maui
Hawaiʻi flippers face a unique problem: inventory is scarce, competition is fierce, and the best deals go to the buyer who can close fastest. Our fix and flip loans are built for that reality. We fund the purchase and the renovation on one loan, sized to the finished value of the property.
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 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.
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.
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 fix and flip loans questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
How much of the rehab do you fund?
Up to 80% of the repair budget, released in draws as work is completed and inspected.
What is ARV and how do you calculate it?
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.
Do I need flipping experience?
Experience helps but is not required. A strong deal, a realistic budget and a qualified contractor can substitute for a track record.
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.