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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
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
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
Minimum Loan Amount
$50,000Maximum Loan Amount
$500,000Minimum Interest Rate
4.85%Maximum Interest Rate
6.75%Minimum Origination Fee
2%Maximum Origination Fee
4%Minimum Loan Term
360 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Minimum Debt Service Coverage Ratio
0.70Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
5Maximum Number of Properties
100Minimum Property Value
$62,500Maximum Property Value
$5,000,000Documents 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
Aloha Capital Testimonials
Scott, Fix & Flip Real Estate Investor
"I currently have two project loans with Aloha and love working with this great team! Caitlin, Chris and Kevin in Boulder have all been rock stars helping my team secure fix and flip loans in record speed with great rates! Thanks guys!"
Fort Collins, CO
Karina, Fix & Flip Real Estate Investor
"I have done two loans with Aloha thus far! Closing went smoothly on both. Caitlin worked hard both times to make the numbers work. I wouldn't use anyone else!"
Palisade, CO
Jon, Fix & Flip Real Estate Investor
"Aloha is an excellent company to work with. Very good communication and my experience has been very smooth from the beginning!"
Buffalo, NY
Tom, Fix & Flip Real Estate Investor
"I flip several housed 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!!"
Cleveland, OH
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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
Office Locations
Aloha Capital LLC2525 Arapahoe Avenue, E4-259, Boulder, Colorado 80304
Our Team
Steve Sapourn
Principal
Chris Jones
Principal
Kevin Hill
COO
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