One Relationship.
Every Financing Option.
White‑glove capital solutions for real estate investors.
Hard money • DSCR loans • Fix & flip financing
Trusted by hundreds of real estate investors nationwide
What We Do
We simplify investor financing.
Instead of calling multiple lenders, investors work with one dedicated Aroha advisor. We structure the deal, match it with the right capital source, and guide it to closing - fast.
Short‑term / hard money loans
DSCR loans for rentals
Financing for flips and BRRRRs
Purchase and refinance options
Our Loan Programs
Aroha provides a wide range of loan options from fix and flip loans, DSCR loans, and new constructions loans. We also work with investors on H1B visa. We structure the loans based on your goals.
Fix and Flip Loan
For newbies and experienced property flippers. Up to 100% of purchase + 100% of rehab costs
Loan Amount: $50,000+
Term: 12 months
Minimum FICO: 630
Interest Rate: 9.5%+
LTARV: 75%
Prepayment Penalty: No
Borrower Experience: No
Property Types: Single-family (1-4 units), Condo, Multi-family
DSCR Loan
For long-term purchase or refinance including cashout. Property can be vacant.
Loan Amount: $75,000+
Term: 30 years
Minimum FICO: 660
Interest Rate: 6.5%+
LTARV: 80%
Prepayment Penalty: Yes
Borrower Experience: No
Property Types: Single-family (1-4 units), Condo, Multi-family
Bridge Loan
For newbie and experienced property owners. Short-term loans to refinance or cashout
Loan Amount: $50,000+
Term: 12 months
Minimum FICO: 660
Interest Rate: 9.5%+
LTARV: 75%
Prepayment Penalty: No
Borrower Experience: No
Property Types: Single-family (1-4 units), Condo, Multi-family
Ground-Up Loan
Must have previous new construction experience or be a licensed General Contractor.
Loan Amount: $50,000+
Term: 12 months
Minimum FICO: 630
Interest Rate: 9.5%+
LTARV: 75%
Prepayment Penalty: No
Borrower Experience: Yes
Property Types: Single-family (1-4 units)
Who We Serve
Built for real estate investors.
We specialize in small‑balance investor loans for:
1–4 unit rental properties
Fix & flip projects
First‑time and repeat investors
Investors buying nationwide
How It Works
A simple, proven process.
Submit your deal
We review and structure your financing
We match you with the right lender
We guide the deal to closing
Red‑Carpet Experience
This isn’t a call center.
Every Aroha client receives:
A dedicated advisor
Clear timelines and expectations
Proactive updates
Strategic guidance, not guesswork
Our goal is simple: make financing the easiest part of your deal.
Services
Short‑Term / Hard Money Loans
Fast, flexible capital for acquisitions and flips
Typical loan sizes: $100k–$150k
Purchase and rehab financing
Fast closings
Investor‑focused underwriting
DSCR Loans
Longer‑term financing for rental properties.
Typical loan sizes: $150k–$220k
Qualification based on property cash flow
Ideal for buy‑and‑hold investors
Purchase or refinance
Fix & Flip Financing
Designed for active investors.
Purchase + rehab structures
Short‑term holds
Exit‑strategy focused underwriting
How it Works
Clear. Simple. Investor‑Friendly.
Fast, flexible capital for acquisitions and flips
Deal submission
Financing strategy call
Lender match and term review
Underwriting and closing
You stay focused on the deal - we handle the capital.
About aroha
Aroha was built to give real estate investors a better financing experience.
Too often, investors are forced to chase lenders, decipher confusing terms, and manage the process themselves. We believe financing should feel calm, clear, and supportive - not stressful.
Aroha means care. That’s how we approach every relationship and every deal.
What Our Clients Say
"I love working with Aroha. They have been responsive, customer focused, and focused on helping me to close on the deal. Because of their thorough approach to getting things done, I honestly will keep coming back to them because of this."
"Aroha has been a great partner throughout my first deal. They were always responsive and prompt, returning my emails quickly, providing me with whatever information I needed to land my deal and later during the refi process."
"I've done a number of deals with Aroha. They are always quick to respond and help analyze deals to make sure I'm not going into something that doesn't make sense financially."
"The professionalism Aroha exhibited was matched by their genuine interest in my project's success. They were not just focused on the transaction but showed a real commitment to helping me achieve my goals. This personal touch made a significant difference and underscored the value of working with a company that truly cares about their clients."
Frequently Asked Questions
Who is Aroha?
Aroha is a boutique commercial mortgage brokerage created to make investor financing feel simple, supportive, and clear. We work alongside real estate investors nationwide, providing access to short-term and DSCR financing with a red-carpet experience built around care, clarity, and confidence.
Do you work with first-time investors?
Yes — we work with both new and experienced investors and provide clear guidance throughout the financing process. We also review your deal, so you can move forward with confidence!
Do I have to work with multiple lenders?
No — you work with one Aroha advisor while we coordinate and compare options across our lending network.
Are there any upfront fees to get started?
There are no upfront fees to submit a deal or receive a financing review; any lender-specific costs are disclosed before you move forward.
Do you require income or tax return documentation?
Many of the loan options we arrange are asset-based, meaning qualification is often based on the property and deal structure rather than personal income.
How quickly can deals close?
Timelines vary by lender and deal, but well-structured short-term loans can often close within days of appraisal and final approval.
What states do you lend in?
We lend nationwide!
Ready to fund your next deal?
Submit your property details and receive a personalized financing plan.
Commercial Mortgage Brokerage
Nationwide investor financing
Disclaimer: Aroha is a commercial mortgage brokerage, not a direct lender. Loan programs subject to lender approval.
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