Hard money loans in Wailuku
Plantation home renovations and small multi-family value-add.
- 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 Wailuku
Wailuku is Maui's county seat and one of its most characterful towns, with plantation-era homes near the historic district and newer subdivisions in Waikapū. Renovated historic homes command strong premiums.
We fund Wailuku renovations, multi-unit conversions and bridge loans for buyers competing in a tight market.
Housing stock
Historic plantation homes, Wailuku Heights view homes, Waikapū and Kehalani newer subdivisions.
Neighborhoods we lend in
Wailuku Town · Wailuku Heights · Waikapū · Kehalani · Happy Valley · ʻĪao Valley
What we watch for in Wailuku
- Historic district review
- Flood zones near ʻĪao Stream
- Older wiring and plumbing
Maui rules that affect Wailuku 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 Wailuku
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.
Wailuku questions
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you fund historic home renovations in Wailuku?
Yes. We factor historic review timelines into the loan term and draw schedule.
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 Wailuku
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 Wailuku
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.