Ground-up construction loans for builders and investors developing new properties in Hawaii. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Hawaii is a specialty market. STR + LTR mixed strategies work in resort corridors where zoning permits. Constrained land supply supports long-term property values. Military and tourism employment anchors rental demand on Oahu especially.
Hawaii's resort corridors host some of the most active short-term rental markets in the country where zoning permits STR use. Our DSCR program supports STR income scenarios.
Hawaii's islands have inherently constrained developable land supply, which supports long-term property values and rental rates over the hold period.
Tourism-driven employment and consistent military stationing (Pearl Harbor, Schofield, MCB Hawaii) anchor sustained rental demand across Oahu in particular.
Whether you're closing a single-asset SFR in a smaller Hawaii market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Waikiki, Kapolei, Kailua — LTR + STR where zoning permits
Ewa Beach, Waipahu, Kapolei — SFR corridor
Kihei, Lahaina, Wailea — STR + LTR mix
Kona, Hilo, Waikoloa
Lihue, Poipu, Princeville — resort STR corridor
West Oahu resort + LTR mix
Kaneohe, Kailua — premium LTR
Statewide coverage — send us any Hawaii property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Hawaii. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Hawaii — Honolulu (Oahu), West Oahu, Maui, Big Island (Hawaii County), Kauai, and every other HI metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Hawaii. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Hawaii is a specialty market. STR + LTR mixed strategies work in resort corridors where zoning permits. Constrained land supply supports long-term property values. Military and tourism employment anchors rental demand on Oahu especially.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Hawaii investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Hawaii metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.