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

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
Max Loan sizes: 2000000 SFR 3500000 2-4 Unit 5000000 Blanket/crossed loans

Minimum Loan Amount

$50,000

Maximum Loan Amount

$500,000

Minimum Interest Rate

4.85%

Maximum Interest Rate

6.75%

Minimum Origination Fee

2%

Maximum Origination Fee

4%

Minimum Loan Term

360 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Minimum Debt Service Coverage Ratio

0.70

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

5

Maximum Number of Properties

100

Minimum Property Value

$62,500

Maximum Property Value

$5,000,000

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%

Total Number of Loans Funded to Date

1,100

Total Loan Volume Funded to Date

$150,000,000

Our Team

Steve Sapourn

Principal

Chris Jones

Principal

Kevin Hill

COO

Contact Aloha Capital

Aloha Capital pays us to be listed, so there is no fee to connect with them directly.

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Our Minimum Loan Amount Is

$75,000

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