Multi-Family Investment Loans in Hawaiʻi
Duplexes, triplexes, small apartment buildings and value-add rentals.
- 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% LTV or 75% of stabilized value
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 24 months
- Units
- 2 to 20
- Exit
- Refinance into a DSCR or bank loan
- Rehab
- Draw funding available
Multi-Family Loans in Hawaiʻi, explained
Small multi-family in Hawaiʻi is scarce and often held for decades, so buildings come to market under-rented and under-maintained. That is the opportunity. We fund the purchase and the unit turns so you can raise rents and refinance at a stabilized value.
Our multi-family loans are underwritten to the property and the business plan. We lend at 50% loan-to-value as a standard and go higher when the project justifies it. Interest-only payments at roughly 1% per month. No credit minimum, no W-2s, no bank statements to get a quote.
How a multi-family loan works with us
Submit rent roll and plan
Current rents, market rents, and the renovation scope.
Underwrite
We size to current value or stabilized value with a rehab holdback.
Close and execute
Fund the purchase, release draws as units turn.
Stabilize and refinance
Exit into long-term financing at the improved value.
Multi-Family Loans on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Multi-Family Loans: questions we hear most
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
What is the largest building you finance?
We routinely fund 2 to 20 unit buildings. Larger projects are evaluated case by case.
Do you fund unit renovations?
Yes, through a rehab holdback released as units are completed.
Related loan programs
Bridge Loans
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreCommercial Real Estate Loans
Retail, office, mixed-use, industrial and hospitality properties across the islands.
ExploreCash-Out Refinance
Unlock equity in property you already own to fund your next deal.
ExploreGet a same-day quote on your multi-family loan
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.