Leverage Your
Real Estate
Experience
RENTAL PROPERTY LOAN
30 Yr Fixed or ARM
Interest Only or Amortizing
Various Pre-Payment Penalty Options
Rates as low as 6.50%
Want to finance a new purchase, refinance a property, or free up cash in your rental portfolio? Aloha Capital makes rental financing easy with our flexible loan options and experience structuring thousands of loans to meet our clients needs.
We offer 30 year DSCR financing for rent-ready properties based on the cash-flow of the property (including short-term rental income or income estimates of similar properties), rather than the personal income of the borrower.
Eligible properties include Single Family, Small Multifamily 2 to 10+ Unit, Warrantable and Non-Warrantable Condos, and Townhomes.
This 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.
DETAILS:
Terms
- Up to 80% LTV on Purchase, Refinance or Cash Out Refinance
- No personal income verification, qualify based on property income.
- Loans betwen $75,000 to $3 million ($10 million for multi property portfolio)
- 30 Year Amortization or 10 yr Interest Only w/ 20 Year Amortization
- No limit on the # of properties financed
Property
- Single Family, 2 to 10+ Unit, Townhouse, Condo
- Short-Term, Vacation Rentals allowed with 12 months history or 80% AirDNA or 150% of long term market rent
- Single or multiple property loans
- No lease required on purchases or recently renovated property
Borrower
- Borrower can be individual or entity including investment entity with passive investors or a series LLC.
- Foreign National allowed (Max 65%)
- Minimum 640 FICO score with best rates at 740+
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
- 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
- Up to 80% of LTV on Purchase
- Up to 75 % of LTV on Refinance
- Term: 9 to 36 months
Multifamily Value-Add & Stable Bridge Loans
We offer short-term, interest only loans on value-add and ground up projects.
Value Add
- 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
- 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
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
- Up to 90% of total project cost
- Up to 75% LTV
- Term: 9 to 24 months
- Interest on funded balance
Multifamily
- Up to 85% of total project cost
- Up to 70% LTV
- Term: 9 to 36 months
- Interest on funded balance
Land
- 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