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Jeff Kearney

Jeff Kearney

Loan Consultant

Jeff’s investing career started largely because he had been priced out of the community he worked and grew up in. He quickly realized that he was never going to be able to buy a home the traditional way with 20% down while working as a barista for minimum wage. After many late nights falling down google search rabbit holes like “how to buy a house with no money” and “grants for down payment assistance,” he realized that the best weapon he could arm himself with was education. He began reading FHA underwriting guidelines in his free time because he became convinced that his best option was to know the rules and worth within them to achieve homeownership.

He owes his success as an investor and career as a lender to the passion that grew out of that learning process and the hunger to own investment properties. He loves talking about real estate, making deals happen, and being creative to solve problems. Jeff enjoys working for Aloha Capital because we make this dream a reality for people every day. In his free time, Jeff fosters rescue dogs and enjoys the natural beauty of Colorado.

Investor Friendly Financing


Our fix and flip loans allow you to purchase a property, rehab it, and then re-sell it as quickly as possible. We offer 80-95% of purchase, 100% of rehab up to 75% ARV. Typically, a 13-24 month term with no pre-payment penalty, it enables investors to maximize returns on quick flips. 


Our fix & hold loans allow you to purchase a property and rehab it before refinancing into a permanent loan. Since we also provide permanent financing, we can assist our client’s goal to have minimal capital locked into the property after it is stabalized. 


If you’re looking to quickly purchase an investment property or unlock capital in a property you own with low LTV or no debt, this loan provides you with flexibility and speed! We offer 80% of purchase, or 75% for a cashout.  Typically, a 13-24 month term with no pre-payment penalty.


This loan program is designed for fast and efficient financing of value-add multifamily projects where the units or building needs rehab or does not qualify for bank or agency financing due to occupancy issues from the prior management team. Up to 85% of purchase and 100% of rehab up to 75% Stable value. No DSCR requirements, No Pre-Payment Penalty.


We provide financing for builders with entitled or shovel-ready lots or teardown projects in infill locations. We are actively funding build-to-rent and build-to-sell projects including single-family, multifamily, mixed used, condo, and townhome projects across the country. We provide 85-90% LTTC on single-family or townhome projects and 80-85% LTTC on multifamily or mixed-used projects.


Do you need to purchase or refinance an investment rental property or portfolio? Our 30 year fixed, long-term financing allows for the aggregation of stabilized rental properties with less paperwork and frustration than working with a bank. Single Family, Condo, Townhomes, and 2-12 Units properties are allowed. Long Term or Short Term Rentals. No Debt-To-Income Requirement.   

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 Innarella

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! 

Michale Rocco Montana

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 Fischer


A Lender that cares about your success!