Hard Money & Real Estate Loans

The request must be reviewed as a business-purpose or investment transaction. Borrower, property, use of proceeds, and supporting documents are considered.

Entity requirements vary by program and funding source. The ownership structure and transaction documents are reviewed case by case.

Credit is one part of the review. Property equity may be relevant, but it does not guarantee approval or replace the need for a complete file.

The property, equity, lien position, requested use, repayment or exit plan, and borrower profile are reviewed together. Closing timing is not guaranteed.

Hawaii property deals through our primary relationship can close in as little as 5-7 business days after appraisal once a complete file is submitted. Mainland or more complex transactions (larger portfolios, ground-up construction) generally take longer. Exact timing depends on the property, program, and participating funding source — no specific timing is guaranteed.

Typically: a completed application, property information (purchase contract, appraisal, or ownership documents), a personal financial statement, and your repayment or exit plan. Renovation and construction requests also need a budget/scope of work. Additional documents may be requested depending on the program and funding source.

Potential property types depend on the program and funding source. Commercial, investment, mixed-use, and land requests require a case-by-case review.

Leverage varies by lender and by property type, condition, and exit strategy — typically in the range of 60% to about 90% of purchase price, or up to roughly 75% of after-repair value (ARV) for fix-and-flip structures. Exact leverage is confirmed per deal, not guaranteed in advance.

This varies significantly by program. Some hard-money and real-estate options have no minimum credit score at all — they are underwritten primarily on the property and equity position. Others expect a credit score in roughly the 650-700+ range depending on the specific program.

Loan amounts across our current hard-money and real-estate lending relationships range from about $150,000 up to $75,000,000+ for larger, multi-property or portfolio transactions. The right program and maximum amount depend on the property, equity, and the specific request.

Yes. Fix-and-flip programs may finance up to 100% of the purchase price plus rehab costs, with leverage up to roughly 80% of after-repair value (ARV), loan amounts generally from $100,000 up to $5,000,000, and interest-only terms of 12 to 24 months.

Yes. DSCR (debt-service-coverage-ratio) loans are evaluated on the property’s rental cash flow rather than personal income, generally up to 80% loan-to-value, with 30-year fixed or adjustable-rate options available.

Yes, for qualifying build-to-sell or build-to-rent projects. Maximum loan and rehab-budget amounts vary by state and program — confirm current availability for your property’s state before assuming a figure.