Hard money loans in Kahului
Workforce housing flips with reliable local buyer demand.
- 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
Private lending in Kahului
Kahului is Maui's commercial and workforce housing center. Dream City homes from the 1950s and 1960s sit on generous lots and sell quickly when renovated, and Maui Lani offers newer inventory.
We fund Kahului flips, ohana additions, and commercial and industrial loans near the harbor.
Housing stock
Dream City post-war homes, newer Maui Lani subdivisions, industrial and commercial property near the harbor and airport.
Neighborhoods we lend in
Dream City · Maui Lani · Kahului Town · Kehalani · Waiehu
What we watch for in Kahului
- Older homes with single-wall construction
- Airport noise zones
- Industrial rezoning near the harbor
Maui rules that affect Kahului deals
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.
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 Kahului
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.
Kahului questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Who buys renovated Kahului homes?
Local families and Maui workers. Demand is consistent and less dependent on mainland or visitor buyers.
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.
Popular programs in Kahului
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.
ExploreSame-day quote for Kahului
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.