

Investor Loans
Seize the Opportunities, with funding your success with Real Estate Investing
Hard Money Lending
As a Relationship Driven Lender, we pride ourselves on our ability to close your loans without any smoke and mirrors. You want a partner on your side that understands the complexities of Investment Lending, someone who can take you by the hand with confidence all while looking over your shoulder and assisting you to make the best long term investment decisions for you and your loved ones.
Premium Support
Partner with top officials in the Real Estate industry. You want a partner on your side that understands the complexities of Investment Lending.
Step by step guidence
We cater to your needs with Real Estate and get you the funding you need to become highly profitable.
Loan Programs
time management skills
We pride ourselves on our ability to close your loans and works towards a long term relationship. As a lender, that solely works with Investors - We have your back!
Loan Package Review
We provide financing options that empower both new and experienced borrowers. For those with a 720+ Equifax Score, we offer up to 90% of the purchase price and 100% of the rehab costs, reaching up to 70%-75% of the After Repair Value. If you've successfully completed at least 5 flips in the last 2 years, we streamline the process by closing your loan without inspections or appraisals, going up to 75% of the After Repair Value. Our definition of experience is specific—what is the number of homes you've bought and sold in the last 24 months, acquired within the last 36 months. Credit is low ? Not an issue, We still have programs available that will allow for fix and flip loans at lower credit score with reduced Loan to Values.
Do you have a property that is mid rehab? We can provide the capital to complete your project and help bring it over the finish line!
We finance Investment Purchase up to 85% Loan to Value and Cash-Out Refinances up to 80% Loan to Value based off the Debt Service Coverage Ration (DSCR) of the investment property.
We cover the full spectrum of the investment rental real estate market including:
- Long Term Rental Loans
- Short Term Rental Loans (AIR BNB/VRBO)
- Warrantable & Non Warrantable Condo Loans
- Condotel Loans
- Foreign National Loans
Furthermore, we qualify Short Term Rental properties based off projected short term rental income as opposed to long term market rents.
We off up to 90% loan to cost for experienced builders in major areas. This goes to 70-75% of the After Repair Value. We can offer up to 70% of the initial land cost, as long as the total loan does not exceed 85% loan to cost (80% for less active builders and smaller markets and up to 90% for pro builders). We even have programs available for 1st time home builders. Have an amazing piece of dirt on the island? Let's build!
Have a project that is mid rehab and need money to complete? We've got your back! Our Mid Rehab Loans provide you cash against the new As Is value of your property plus the money you need to complete the project!
Multifamily Loans
Hospitality Loans
Professional Office Loans
Industrial loans
Retail Shopping Center Loans
Please sign up and speak with one of our representatives pertaining to the details of your Commerical Investment

Sign up now and schedule a call
Let us work with you and review the property you are considering to invest in.
Andrew Shanti - Senior Vice President
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Honolulu
Real Estate
Hard Money Lending
Hear what they say

”
I already have two more renovations, with them and will continue to use them.
Chad Simmons
Agent & Investor

”
Optiums Capital, is one of the best lending partners I have had the privilege of working with.
William Ibrahim
Investor


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