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Loan Types

Rates & Terms

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Rental Property Loans

30 year fixed or 5/1 ARM with rates as low as 6.50% 

 

We offer term financing for rent-ready properties based on the cash-flow of the property, rather than the income of the borrower. Eligible properties include Single Family, 2-4 Units, Condos, and Townhomes. The loan can be on an individual property or as a blanket loan on a portfolio of properties. There is no limit to the # of properties you can finance with Aloha Capital.

Rental Loan Terms

  • Up to 80% LTV
  • Purchase, Refinance or Cash Out Refinance
  • No income verification
  • 30 Year Amortization or
  • 10 yr Interest Only w/ 20 Year Amortization
  • No limit on the # of properties financed

Property

  • Non-Owner Occupied
  • Single Family, 2-4 Unit, Townhouse, Condo
  • Loans betwen $75,000 to $3 million
  • Single or multiple property loans
  • No lease required on purchases
  • Short-Term/Vacation Rentals allowed

Borrower

  • Borrower can be entity or individual
  • Foreign National allowed
  • Min. 620 FICO score
Get A Rental Loan Quote

Testimonials

Fix & Flip, Fix to Rent, and Stable Bridge Loans

 

We offer short-term, interest only loans on Single Family, 2-4 Units, Condos, and Townhomes. These loans are designed for real estate investors looking to fix & flip or fix to rent a property. We offer 13 to 24 month loans that provide investors access to the best combination of leverage (up to 90% of purchase and 100% of construction cost), rates (as low as 7.49%) and speed to close (in as little as 5 business days).

Fix & Flip or Rent

Rates as low as 9.99%
  • Up to 85% of Purchase Price
  • 100% of Rehab Budget 
  • Up to 75% LTV (After Repair)
  • Term: 9 to 24 months
  • Interest on Funded Balance

Stable Bridge

Rates as low as 9.49%
  • Up to 80% of LTV on Purchase
  • Up to 75 % of LTV on Refinance
  • Term: 9 to 36 months
Get A Bridge Loan Quote
Intro Call - Bridge Loan Team

Multifamily Value-Add & Stable Bridge Loans 

 

We offer short-term, interest only loans on value-add and ground up projects.

Value Add

Rates as low as 10.99%
  • Max: 80% of Purchase & 100% of Construction
  • Up to 70% LTV
  • Term: 9 to 36 months
  • Interest on Funded Balance
  • Non Recourse Available
  • No Occupancy Requirements
  • No DSCR Requirements

Stable Bridge

Rates as low as 9.49%
  • Up to 70% on Purchase/Refi
  •  Up to 65% Cash Out Refi
  • Term: 9 to 36 months
  • Non Recourse Available
  • No Occupancy Requirements
  • No DSCR Requirements
Intro Call - Multifamily Loan Team

Ground Up & Land Development Loans

 

We offer short-term, interest only loans for developers building Single Family, 2-4 Units, Condos, Townhomes and Multifamily & Mixed-Use properties. These loans are designed for developers looking for higher leverage than real estate investors looking to fix & flip or fix to rent a property. We offer 13 to 24 month loans that provide investors access to the best combination of leverage (up to 90% of purchase and 100% of construction cost), rates (as low as 7.49%) and speed to close (in as little as 20 days).

Single Family

Rates as low as 10.99%
  • Up to 90% of total project cost
  • Up to 75% LTV
  • Term: 9 to 24 months
  • Interest on funded balance

Multifamily

Rates as low as 10.99%
  • Up to 85% of total project cost
  • Up to 70% LTV
  • Term: 9 to 36 months
  • Interest on funded balance

Land

Rates as low as 11.99%
  • Up to 60% Land Purchase Price
  • 100% of Soft & Hard Costs
  • Up to 65% of Finished Land Value
  • Term: 9 to 18 months
  • Interest on funded balance
Intro Call - Development Loan Team

Testimonials

"I highly recommend the Aloha team! They worked with me through the entire process, and kept me up-to-date and informed throughout....my attorney's office said that they were the most responsive and punctual lender that they've dealt with in a long time! "

Daniel I.

"The team at Aloha Capital are a pleasure to work with! We have several projects with them and have recommended them to several colleagues who have had positive experiences as well. Not only are they fast and thorough, but, they are also great people to associate with! They are my first option when looking for capital partners on my projects. They have the experience and products to do almost ANY project you desire, basic reno, pop-tops, ground up, and don't forget to ask about the new 30 year Buy and Hold Program they've got! Mahalo! "

Michael M.

"I flip several houses a month and use Aloha for all of my lending. I have had only good experiences with this lender! The staff is outstanding and goes over the top to make sure all of my lending needs are taken care of! They bend over backwards to work with my hectic schedule too!! Thank you! "

Tom F.

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