Aloha Capital was created by real estate investors, for real estate investors. We offer fast, flexible and reliable private lending solutions at competitive rates to help you invest in single family, multi-family & commercial real estate properties. We are a direct, private lender specializing in hard money bridge loans for fix and flip, buy and hold, and turnkey real estate investment providers.

Here’s our pricing options for fix & flip loans:

  • 90% Financing
    90% of purchase, up to 100% of Renovation
    Max 75% of ARV, 9-24 month term
    11% and 2 Points
  • 85% Financing
    85% of purchase, up to 100% of Renovation
    Max 75% of ARV, 9-24 month term
    8.99% and 2 Points
  • 80% Financing
    80% of purchase, up to 100% of Renovation
    Max 75% of ARV, 9-24 month term
    7.99% and 2 Points
Property Geographic Area Details
We lend in 24 states: AZ, CO, DC, FL, GA, IL, IN, KS, KY, MD, MN, MO, NJ, NY, OK, OH, OR, NC, TN, TX, UT, VA, WA, WI. We prefer urban, metro or sub-urban areas.
Loan Amounts
$75,000 to $5,000,000
Interest Rates
7.99% to 11.99%
Loan Terms
6 months to 24 months
Origination Fees
2% to 4%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Multifamily
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

    Specialty Loan Types

    • Line of Credit Portfolio of Properties

    Max Loan-to-Purchase Price

    90%

    Borrower Must Have Property Under Contract

    yes

    Will Provide Proof of Funds Letter

    yes

    Will Consider Lending on Purchase from Auction

    yes

    Allowed Source of Borrower’s Equity

    • Own Cash
    • Partner
    • Equity in Subject Property
    • Equity in Another Investment Property

    Documents Fee

    $995 for Bridge $1250 for Rental loans

    Inspection Fee

    Bridge $150, plus a $30 wire fee

    Extension Fee

    Same pro rata/rate per month or quarter as paid to originate the loan

    Appraisal Fee

    Bridge As is and ARV appraisals Varies by market. $400 to $750 generally. Rental loans As is and 1007/market rent appraisal

    Minimum Origination Fee Amount

    $1,500

    Fees which are mandatory for all new borrower clients

    • Documents Fee
    • Appraisal Fee
    • Inspection Fee
    • Extension Fee

    Fees which are paid to a third party company

    • Appraisal Fee
    • Renovation or Construction Funds Draw Fee

    Details and Requirements

    Typical Closing Time (Days)

    10

    Fastest Closing Time (Days)

    3

    Payment Structure
    • Interest Only
    • Amortized
    • Interest Reserve
    Pre Payment Penalty

    yes

    30 year rental loans only 5 year PPP Or, PPP can be bought down 4-3-2-1 with rate increases
    Will lend to a foreign national

    yes

    620 Credit or better
    Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

    yes

    Will Consider Collateralizing Multiple Properties in One Loan

    yes

    Will Consider Equity Joint Venture

    no

    Borrower Entity Types Considered
    • LLC
    • Limited Partnership
    • Trust
    • Corporation
    • Non-Profit Corporation
    • Self-Directed IRA
    Documentation Required
    • Credit Report
    • Bank Statements
    • Financial Statements
    • Loan Application
    Personal Guaranty (Recourse) Required
    Always
    Credit Check Required

    yes

    Minimum Credit Score Required

    575

    Credit Check Description

    Tri-merge, hard credit pull, middle score.

    Appraisal Required for Residential Property

    Always

    Appraisal Required for Commercial Property

    Always

    Broker Price Opinion (BPO) Accepted for Residential Property

    Sometimes

    Broker Price Opinion (BPO) Accepted for Commercial Property

    Sometimes

    Legal Disclaimer

    The lending guidelines provided herein are based on the best information available at the time and is subject to change at the Lender's sole and absolute discretion. Nothing provided herein shall constitute a legally binding contract. Legally binding Agreements will be provided to current borrowers upon request.

    Aloha Capital Testimonials

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    We are an organization built on passion, experience, and ingenuity. As an investment manager, real estate investor and lender, we hold ourselves to the highest ethical and fiduciary standards. We act as financial stewards to our investors and as trusted business partners to our real estate investment clients & partners. The Aloha Capital team is always looking for ways to give back through service and philanthropic giving.

    Minnesota Residential Mortgage Originator License Lic. #MN-MO-1279924

    License

    NMLS #1279924, MN-MO-1279924

    Company Size (Number of Employees)

    8

    Year Established

    2015

    Office Locations

    Aloha Capital LLC
    2525 Arapahoe Avenue, E4-259, Boulder, Colorado 80304

    Primary Capital Source
    • Own Funds
    • Bank Credit Line
    • Private Equity Funds
    • Asset Management Companies
    Alternative Capital Sources
    • Single Capital Partner
    • Hedge Funds
    Loan Structure for Majority of Loans
    • Own Balance Sheet
    Percentage of Loans Secured by Residential Property

    100%

    Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)

    100%

    Total Number of Loans Funded to Date

    1100

    Total Loan Volume Funded to Date

    $150,000,000

    Our Team

    Steve Sapourn

    Principal

    Chris Jones

    Principal

    Kevin Hill

    COO

    Get In Touch

    Aloha Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

    Stay Informed About Private Lending

    Receive our monthly newsletters with valuable insights and industry updates
    subscribe-illustration

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