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Track record

Deals we funded, in the borrowers' words

Borrower reviews

Recent borrower reviews

“We had a non-contingent offer accepted on a Kailua tear-down on Friday and funded the following week. No bank in Hawaiʻi could have done that.”
R. Nakamura
Builder-investor, Windward Oʻahu
Construction, $1.4M
“They understood the leasehold on our Makiki building better than the bank we had been with for ten years. Quoted the same day.”
M. Santos
Multi-family investor, Honolulu
Leasehold cash-out, $640K
“Draws were released within days of each inspection. That kept our Puna spec build on schedule and under budget.”
K. and J. Reyes
Builders, Hawaiʻi Island
Land and construction, $360K
Case studies

How the numbers came together

Illustrative deal structures. Details generalized to protect borrower privacy.

OʻahuConstruction

Kailua tear-down to two-story rebuild

Investor bought a post-and-pier cottage on a 7,500 sq ft lot, demolished and built a 2,400 sq ft home with ADU. We funded the lot and construction in six draws.

Loan
$1,400,000
Completed value
$2,350,000
Term
14 mo
MauiFix and flip

Wailuku plantation home flip

First-time Maui flipper with an Oʻahu track record. Full interior renovation, new roof, new electrical. Sold to a local family with conventional financing.

Loan
$573,000
Completed value
$1,150,000
Term
7 mo
Hawaiʻi IslandLand and construction

Hawaiian Paradise Park spec home

Builder purchased a lava zone 3 lot and built a 3-bed, 2-bath home. Catchment and septic included in the draw schedule.

Loan
$360,000
Completed value
$520,000
Term
11 mo
OʻahuCash-out refinance

Makiki leasehold walk-up cash-out

Owner used equity in a six-unit leasehold building to fund the fee purchase, converting the property to fee simple and refinancing with a bank at a much higher value.

Loan
$640,000
Completed value
$1,400,000
Term
12 mo

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