A PROUND PARTNER OF BIGGERPOCKETS
Residential
LENDING
Passive
Investments
RESIDENTIAL
LENDING
Fix & Flip or Hold
Loans for investors who are buying distressed properties, rehabbing, and selling or refinacing to hold as a rental (BRRRR strategy). Flexible, and fast!
Up to 90% of Purchase, 100% of Rehab up to 75% LTV @ Exit
- Loans from $75K to $3MM+
- 12, 18, 24-month term options
- Full Recourse
- Interest Only
- 1-4 unit residential properties
- Fast construction draws (<5 days)
Multifamily Bridge
Loans for distressed properties that need capital expenditures or turnkey properties that need seasoning and/or further tenancy to stabilize.
Up to 85% LTC, 70% LTV @ Exit
- Loans from $10MM+
- 18 or 24-month term options
- Full Recourse
- Interest Only
- Small, medium, or large Cap EX budgets
- Fast construction draws (<5 days)
Infill Development
New construction loans for builders with shovel-ready lots or teardown infill projects. Best for spec houses, model homes, teardown, or small subdivisions.
Up to 90% LTC, 70% LTV @ Exit
- Loans from $250K to $20MM+
- 12, 18, 24-month term options
- Full Recourse
- Interest Only on Advances Balance
- No Presales
Long-Term Rentals
Loans for investors who are buying turnkey rental properties or need to refinance a recently remodeled property. Flexible and fast!
Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
- Loans from $75k to $5MM+ (Multi-Property)
- 30-year & 40-year options
- 10-year interest only available.
- Flexible term and interest rate options
- Qualify based on property cash flow & credit score. Best rates at 1.15+ DSCR
- No personal income requirements, no W-2 or Tax Returns
Short-Term Rentals
Loans for investors who are buying or refinancing a short-term or medium-term rental property. Push the easy button!
Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
- Loans from $75k to $5MM+ (Multi-Property)
- AirDNA estimate allowed
- 30-year & 40-year options
- 10-year interest only available
- Flexible term and interest rate options
- Qualify based on property cash flow & credit score. Best rates at 1.15+ DSCR
- No personal income requirements, no W-2 or Tax Returns
Multifamily Rentals
Loans for investors who are buying or refinancing a 5 to 10 multifamily property that need long-term financing (No Cap Ex).
Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
- Loans from $250k to $5MM+
- 30-year & 40-year options
- 10-year interest only available
- Flexible term and interest rate options
- Qualify based on property cash flow & credit score. Best rates at 1.15+ DSCR
- No personal income requirements, no W-2 or Tax Returns
PASSIVE INVESTMENTS
WHOLE NOTES
9% to 13% Yield
Investing in a whole note allows you to get early access to new notes on the Aloha Passive Note Platform.
*Notes range from $75,000 to $500,000+
PARTIAL NOTES
9.5% to 12.5% Yield
Choose to participate in one or more notes on the Aloha Passive Note Platform without having to purchase an entire note. This allows you to easily create a personalized, diversified portfolio.
*$25,000 Minimum
"PROTECTED" PARTIAL NOTES
8% to 9% Yield
Participate in a note that Aloha or another investor will hold a 10% 1st loss position on. This provides an additional layer of wealth preservation to the note investors.
*$100,000 Minimum
"SUBORDINATED" PARTIAL NOTES
14% to 20% Yield
In limited occasions, Aloha offers its investors 2nd position notes (junior to another lender) or B-piece notes that have 1st loss within the 1st position loan. These provide significantly higher investor yield and require extra due diligence to mitigate risk.
*25,000 Minimum
ALOHA LTD INCOME FUND
+9.37% ANNUAL RETURN SINCE INCEPTION
A managed portfolio of first position, short-term notes on residential investment projects including fix & flip, fix & rent, transactional bridge and small multifamily value-add projects that meet our institutional credit guidelines.
Individual notes in the portfolio are sold on the institutional secondary market, thus selling away tail risk as loans age and creating liquidity to add newly originated loans.
This strategy provides accredited investors with consistent income and wealth preservation along with enhanced liquidity.
*Accredited Investors Only, $100K Minimum
WHY INVEST WITH ALOHA CAPITAL?
With over $600 million in loans across 4,000 transactions nationwide, Aloha Capital is your trusted partner to access truly passive investments into residential real estate. Invest as little as $25,000 and enjoy annual returns of 8% to 20%, distributed monthly.
Aloha LTD Income Fund (Accredited Only).
Aloha Passive Notes (Accredited or Non-Accredited Investors Allowed).
KEY BENEFITS TO NOTE INVESTING
Reliable Returns
As a lender, you earn interest instead of paying it. We prefer playing the role of the bank. Aloha Capital has issued over 4,000 loans with a low default rate of 0.40%, offering consistent and positive returns.
Since 2015, our fund has matched the performance of the S&P 500 but without the drawdowns experienced by the S&P, which has declined by 25%, 20%, and 14% at various times.
Monthly Income
Invest with us and choose between monthly direct deposits to your bank account or compounding returns.
No need for property management, contractors, or multiple offers—just sit back and enjoy passive income.
Wealth Preservation
Mortgage loans offer built-in downside protection.
They’re secured by first-position liens on residential investment properties and issued to creditworthy, professional real estate investors who personally guarantee repayment.
Enhanced Liquidity
Our residential real estate investments offer more liquidity than owning property or joining syndications. Individual notes have durations from 3 to 12 months, providing flexibility for reinvestment or capital reallocation.
Our Fund allows for no-lockup, quarterly withdrawals, making the assets more liquid compared to traditional real estate or syndicate investments.
Instant Access
Quickly put your capital to work in real estate.
Achieve immediate diversification by investing in one of our funds or select individual notes through our Passive Note Platform.
Diversified Portfolio
Achieve instant portfolio diversification by investing in real estate in two strategic ways: either buy individual notes to qualified borrowers across the country or invest in a Fund packed with hundreds of notes.
The former allows you to pick and choose, tailoring your exposure, while the latter offers a one-stop solution for broad diversification. Both options provide immediate breadth to your real estate holdings, minimizing risk and enhancing potential returns.
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