Kahului Hard Money Lender

Kahului Hard Money Lender

In the Kahului real estate market, grabbing properties before your competition is essential for making the best deals. Although real estate investors sometimes go the traditional route and seek bank loans, the process is anything but speedy.

When time is of the essence, waiting for the lengthy process of getting approval is not an option for most investors. Kahului hard money lenders specialize in providing hard money loans which provide quick funds to investors. These loans are for a non owner occupied property or in some cases for business purpose loans.

Kahului Hard Money Lender FAQ’S

Below are some of the most frequently asked questions we get regarding hard money loans and lenders in Kahului.

What Do Kahului Hard Money Lenders Specialize in?

Kahului hard money lenders specialize in providing short-term, creative financing for real estate investors. If you seek a conventional lender to purchase an investment property, your loan request will be based on the property’s value and your assets. Your credit score, job, and finances will be scrutinized intensely.  Hard money lenders base their final loan decisions on the after-repair value. The ARV represents the potential value of a property after all repairs have been accomplished.

What are the Benefits of Kahului Hard Money Loans?

Kahului hard money loans offer advantages that traditional banks cannot. Lenders like Acamnet Financial offer a higher level of flexibility than banks.  When qualifying for this type of loan, lenders do not delve too deeply into the finances of real estate investors. In most cases, simply present the property and your plans, which saves you the hassle of gathering countless financial documents.

Do Kahului Hard Money Lenders Look at my Credit Score?

One of the greatest benefits of working with Kahului hard money lenders is the lack of credit score requirements. One of the first things a bank does is check your credit score.  You can get approved for a hard money loan in Kahului even if you have bad credit or poor credit, bankruptcies, and foreclosures in the past. Kahului Hard money lenders primarily care about the property you are purchasing.

What is the Interest Rate & Points for Hard Money Loans in Kahului?

Interest rates for hard money loans in Kahului are typically higher than traditional bank loans (conventional loans) because of the greater risk lenders must take on when approving loans. When searching for a hard money lender near me in Kahului, you will find average interest rate is between 8%-15%.  You should also be aware that lenders sometimes charge points that are meant to offset their administrative costs. Each point represents 1% of the total loan amount.  The average points lenders charge is between 1 to 3. Some lenders may charge up to 10 points. These points are due upfront or at closing, depending on the lender.

What Should I Look for in a Kahului Hard Money Lender?

There are many benefits to working with a Kahului hard money lender.  You just need to make sure you are working with the right lender.  You can rely on Acamnet Financial Group when you need us most.  We offer reliability, consistency, experience, and support.  As a real estate investor, you know the importance of grabbing the best property deals when they become available.

How can Hard Money Lenders in Kahului Help Me?

Whether you are new to real estate and real estate projects or an old pro, you know having the capital to purchase real estate is essential. Without funds, you will miss out on real estate transactions.  When you partner with hard money lenders in Kahului, you will quickly get the money you need without jumping through the hoops of traditional bank lenders.

How do I get a Hard Money Loan in Kahului?

When you want a hard money loan in Kahului, begin by preparing the property information. Location, size, purchase price, after repair value, repair costs, etc.  In most cases, the financing will be based on these numbers.  Then, apply for a hard money loan in Kahului using this information and supply some financial information.  Then, an appraisal will be ordered to assess the loan-to-value ratio, which will influence the loan amount.

How do I Refinance a Kahului Hard Money Loan?

Refinance a Kahului hard money loan will involve moving from a high interest, short term loan to a longer term, usually lower interest rate loan. Typically a conventional type of loan.  When refinancing a Kahului hard money loan you will find it will have a more stringent set of guidelines.  You will need to have sufficient credit and income qualifications.  As the lending landscaping and regulations constantly change, you want to consult a knowledgeable conventional loan expert.

Here’s other cites we can help with in Hawaii: Hawaii hard money loans

Current Real Estate Trends In Kahului (2024)

The real estate market in Kahului, HI has been booming lately. In September 2023, the median listing home price was recorded at $1 million with an impressive 8.6% increase compared to the previous year. The median listing home price per square foot was $381 and the median home sold price was $947.5K.

Homes in this area were sold close to their asking prices, with a sale-to-list price ratio of 96.89%. However, the average sale price was 3.11% lower than the asking price. The average days on the market for homes in Kahului was 36, indicating a fairly fast pace of sales.

The area offers an abundance of conveniences such as grocery stores, cafes, restaurants, parks, and gyms. Rental prices in Kahului usually fall between $1.9K to $2.5K per month.

Market forecasts for Kahului look favorable with an estimated 1-year value change of +3.1% and an increasing trend in rental prices.

Housing Market Overview

The housing market in Kahului, HI is seeing a steady increase in median listing home prices, currently sitting at $1 million in September 2023. This is an 8.6% increase from the previous year.

The median listing home price per square foot is $381, while the median home sold price is $947.5K.

This market is considered a seller’s market, where more buyers are looking for homes than homes available. Homes in Kahului, HI tend to be sold for 3.11% below asking price on average, and the average days on the market is 36.

Data shows that the median days on market have increased since last month, but have stayed the same when compared to last year.

Buyer and Seller Dynamics

Kahului, HI is home to a competitive market with high demand and limited inventory, resulting in homes selling, on average, 3.11% below the asking price and taking 36 days to sell. The following statistics provide further understanding of the market:

1. Seller’s Edge: Kahului, HI is currently a seller’s market, with buyers outnumbering available properties.

2. Below Asking Price: Homes in Kahului, HI typically sell for lower than the asking price, providing buyers with some wiggle room.

3. Average Days on the Market: Homes in Kahului, HI usually take 36 days to be sold, showing a quick market.

4. Steady Median Days on Market: The median days on the market have remained unchanged since last year, pointing to a consistent level of demand.

Amenities and Rental Market

Residents of Kahului, HI can reap the benefits of a plethora of amenities and rental options. With a wide selection of grocery stores, cafes, restaurants, parks and gyms, there’s plenty to do here. Shopping for daily necessities is easy, as there are lots of stores to choose from. Foodies will be pleased with the variety of culinary options the city has to offer. For those who prefer to stay active, there are parks and gyms to enjoy.

When it comes to rentals, the average rent in Kahului is $1,531 per month for studios, and $1,907 per month for one-bedroom apartments. Average sizes range from 275 square feet for studios to 500 square feet for one-bedroom apartments. These amenities and rental options make Kahului an attractive place to live.



All About Kahului

Welcome to Kahului, a place where history, growth, and natural beauty intersect. Located in Maui, Hawaii, this city has been through an incredible transformation since its inception.

Originally unpopulated, Kahului grew into a prosperous community in the mid-1850s when Henry Baldwin and Samuel Alexander saw its potential for sugar cane farming. Since then, the city has been a major player in the sugar industry.

But Kahului is more than just a hub for sugar production, it is a buzzing Hawaiian city with a busy harbor, a ship port, and the second busiest airport in the state.

Plus, the city has a lot to offer visitors, such as the Queen Kaahumanu Center, Kanaha Pond Bird Sanctuary, Maui Arts & Cultural Center, and the Alexander & Baldwin Sugar Museum.

For thrill-seekers, there is the popular Kanaha Beach Park, a paradise for kitesurfing and windsurfing.

Whether you are fascinated by history, drawn to nature, or looking for an adventure, Kahului has something for everyone.


Kahului has a storied past that dates back to the mid-1850s. Henry Baldwin and Samuel Alexander transformed an unpopulated land into a prosperous sugar mill and plantation, attracting people from the Hawaiian Islands and Asia. The perfect conditions for growing cane made Kahului a major center for sugar production. The cane fields dominated the landscape and drove the economy, forming a tight-knit community. However, in recent years, sugar production has ceased on Maui, leading to a shift in Kahului’s economic landscape. Despite this change, Kahului’s history as a sugar town continues to shape its development and identity. Today, it is a vibrant city with a bustling harbor, airport, and a planned community that began in the 1940s.


Kahului is a vibrant city that has experienced incredible growth and transformation. Alexander and Baldwin had a hand in its development, which saw the introduction of a harbor, ship port, and airport. Kahului Airport (OGG) is now the second busiest in Hawaii.

It all began in the mid-1850s when the land proved ideal for growing sugar cane, leading to the construction of a sugar mill and plantation. The 1940s saw the birth of the first planned community in Hawaii and the Western United States. It is now a great place to pick up supplies for your vacation and serves as a gateway to the famous Road to Hana.

The city boasts numerous attractions and landmarks to explore. Its harbor provides picturesque views and a great spot for fishing. The harbor also offers boat rides, allowing visitors to enjoy the beauty of the island in a different way. There are a number of museums, cultural sites, and historical monuments to explore. Kahului also offers plenty of shopping opportunities, with a variety of stores and boutiques.

Kahului is truly a destination like no other. It has a rich history, a vibrant culture, and plenty of attractions and activities to enjoy. Whether you’re looking for a place to pick up supplies for your vacation or a unique destination to explore, Kahului is the perfect place for you.

Attractions and Landmarks

Kahului has plenty to offer for everyone.

Queen Kaahumanu Center is the largest mall in Maui, offering great shopping and dining experiences.

Kanaha Pond Bird Sanctuary is a wetland habitat for endangered birds and waterfowl.

Those interested in art and culture should visit the Maui Arts & Cultural Center. They offer concerts, theater performances, and art exhibitions throughout the year.

The Alexander & Baldwin Sugar Museum is a great place for history buffs to learn about sugar plantations and the history of agriculture in Hawaii.

Kanaha Beach Park is a paradise for watersports lovers and is a must-see.

With so many attractions and landmarks, Kahului is definitely worth a visit.

Kanaha Beach Park

Kanaha Beach Park is an adrenaline-filled adventure destination for water sports fans. The area is renowned for its kitesurfing and windsurfing hotspots due to the strong and steady trade winds. You can also find plenty of space for a family picnic as well as restroom, showers, and barbecuing amenities to make your stay comfortable. With lifeguards always on duty, you can be assured of your safety.

Kahului, the area surrounding Kanaha Beach Park, is a great place to explore. There are plenty of fun facts that you can discover about the place as you prepare to head out.

So don’t miss out on the chance to enjoy an incredible adventure at Kanaha Beach Park. It’s the perfect spot to experience an unforgettable time.

Fun Facts

Kahului is home to Maui’s beloved Queen Kaahumanu Center. This mall is a favorite of both visitors and locals, offering a variety of shopping, dining, and entertainment choices.

With over one hundred stores, ranging from major chains to local boutiques, there is something for everyone’s needs. The food court and restaurants provide an array of local and international cuisine.

Not only is this mall a shopping destination, but it also serves as a cultural hub, hosting events and performances throughout the year.

When looking for supplies or a fun shopping spree, make sure to check out Queen Kaahumanu Center in Kahului.