Is this leasehold financeable?
Leasehold is normal in Hawaiʻi and most lenders get it wrong. Enter the remaining term, current lease rent, renegotiation date and any fee purchase offer to see how we would look at it.
- • 30+ years remaining: financeable; lease term is not the constraint.
General guidance only. We read every lease before quoting.
Get a leasehold quoteHow we use these numbers
Leasehold is a Hawaiʻi fact of life. Thousands of condos and homes sit on land owned by trusts, estates and corporations, and most banks either refuse them or price them punitively. We have lent on leasehold for over twenty years.
We underwrite the remaining lease term, the lease rent schedule and renegotiation dates, and the likelihood of a fee conversion. We can also fund the fee purchase itself. 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.
Read more about leasehold property loans or see our rates and terms.
Questions investors ask us
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
What lease term do you require?
The remaining term must comfortably exceed the loan term. We prefer 15 or more years remaining but evaluate shorter leases with a strong exit.
Can you finance a fee conversion?
Yes. We fund the purchase of the fee interest, and the resulting fee simple property is easier to sell or refinance.
Ready to see your number?
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.