For investors and borrowers the big lenders turn away. DSCR and investor loans, fix-and-flip and construction, bridge financing, plus jumbo and non-QM residential — with 25+ years of Hawaii mortgage experience behind every file.
If you're buying, building, flipping, or holding investment property, this is the home-field. Flexible, deal-driven financing — and a lender who understands investor deals because he works in real estate, not just on it.
Qualify on the property's cash flow, not just your tax returns. Built for investors growing a portfolio of long-term or short-term rentals.
Financing that moves at the speed of the project — purchase plus rehab, ground-up, and value-add deals structured around the timeline.
Short-term financing for time-sensitive deals — bridging between purchase and permanent financing, or closing when speed is everything.
Select commercial and specialty-finance transactions that don't fit a standard residential mold — structured case by case around the asset and the plan.
Strong borrowers get turned down for reasons that have nothing to do with their ability to pay — self-employment, complex income, a jumbo amount, or an island property the big lenders don't understand. Two and a half decades of Hawaii experience is built for exactly those files.
For higher loan amounts and high-value properties — including the island scenarios that don't fit a mainland lender's template. Structured to the borrower, not the box.
For self-employed borrowers, complex or non-traditional income, and strong files that conventional underwriting won't read correctly. Alternative documentation where it fits.
For more than 25 years I've worked in mortgage lending and executive leadership in Hawaii — delivering operational scale and high-touch structuring for the nuanced borrower scenarios unique to the islands.
I'm also active in real estate through a private fund I work with. That means when an investor brings me a deal, I understand it from the inside — the timeline, the numbers, and what actually makes it work — not just the loan file. It's the difference between a lender who processes your deal and one who gets it.
A quick call or message about the property and what you're trying to do. Buying, building, flipping, holding, or refinancing — we'll tell you straight whether and how it works.
We come back with the right program and structure for your scenario, and walk you through real numbers for your actual file.
We move it through to the closing table — fast where speed matters, and high-touch the whole way.
Tell us the scenario and we'll give you a straight answer and real numbers for your file. The first conversation is free.
This is not a commitment to lend. All loans subject to credit approval, underwriting, and program guidelines; terms subject to change. Equal Housing Lender.
