Hard money loans in Makawao
Land and construction loans on ag parcels, plus ranch home renovations.
- 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 Makawao
Upcountry Maui, anchored by Makawao, Pukalani and Kula, offers cooler weather, larger lots and a lifestyle market that attracts both local families and mainland buyers. Ag-zoned parcels with ohana potential are the signature investment here.
We fund Upcountry land purchases, construction of primary and ohana units, and renovations of ranch homes.
Housing stock
Upcountry ranch homes, ag lots in Kula and Pukalani, cottages in Makawao town.
Neighborhoods we lend in
Makawao Town · Pukalani · Kula · Haʻikū · Olinda · Pāʻia
What we watch for in Makawao
- Water meter availability in Kula
- Ag zoning dwelling limits
- Wildfire risk zones
Maui rules that affect Makawao 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 Makawao
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.
Makawao questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Can I get a construction loan for an Upcountry ag lot?
Yes, provided the lot has legal access and water. We fund the build in draws.
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 Makawao
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 Makawao
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.