At Aloha Legacy Lending, our mission is to empower real estate operators and developers by providing tailored financing solutions for fix-and-flip, buy-and-hold projects, ground-up construction, DSCR loans, and bridge loans. As a local company rooted in Hawaii, we are driven by purpose, prioritizing our clients’ success and the growth of our community over profits. We are dedicated to serving those in Hawaii and across the nation,
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Smooth processing, personalized service, and flexible financing for real estate projects in Hawaii and beyond.
01
Bridge Loan
A bridge loan is an efficient short-term financing option for real estate investors looking to acquire or refinance quickly, without a rehab budget. Offering 12-24 months of flexible financing, it’s ideal for acquisitions and refinancing without the delays of long-term loans. With a fast 2-3 week closing timeframe, we provide a smooth, professional process to help you seize opportunities when they arise.
03
New Construction / Ground Up
We specialize in financing solutions for ground-up construction, offering up to 70% LTV, which includes 70% of the purchase price and 100% of the construction budget. Our wrapped interest options empower experienced operators to concentrate on their projects without the burden of monthly interest payments. With the majority of our loans this past year falling into this category, we are committed to providing a seamless experience. Whether you already own the land or
02
Fix and Flip
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At Aloha Legacy Lending, we are committed to providing our customers with the highest level of support. When you work with us, you choose quality and excellence. Customer service is at the heart of everything we do.
We offer 3-4 week closing times for fix-and-flip and rehab loans, covering up to 90% of the purchase price and 100% of the rehab budget. Our financing options cater to first-time investors and experienced investors alike, with flexible terms including wrapped interest and advance draws.
04
DSCR
What It Means:
DSCR measures cash available to cover debt obligations, calculated as:
Net Operating Income
DSCR = -------------------------
Total Debt Service
Example Calculation:
-
Net Operating Income (NOI): $120,000
-
Total Debt Service: $100,000
120,000
DSCR= -------- =1.2
100,000
This indicates the property generates $1.20 for every dollar of debt.
We provide financing with up to 70% loan-to-value (LTV), requiring 30% down, and closing timeframe of 3-4 weeks. With competitive rates and cash-out refinancing for turnkey rental properties, first-time investors can pursue multiple deals confidently. Our dedicated team is here to support you.
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