Direct Commercial Debt Desk · NMLS #1934536
Regional Metro Market · Hawaii

Commercial Real Estate Financing in Maui County

BancorpOne provides commercial real estate debt advisory across Maui County. We finance premier luxury hospitality resorts in Wailea and Kaanapali, central island industrial logistics and cold storage in Kahului, shopping centers serving affluent visitors and residents, and workforce multifamily housing developments.

Maui Luxury Resort & Commercial Center Local Lending Benchmarks

Hospitality Leverage Up to 60%–65% LTV on luxury Wailea/Kaanapali resorts; 70% with major flag
Commercial DSCR Requirement 1.25x for industrial and multifamily; 1.35x for luxury hospitality
Debt Yield Hurdle 8.5%–9.75% reflecting Maui luxury resort cash flow performance
Typical Deal Volume $3,000,000 to $80,000,000+

Metro Market Fundamentals & Economic Drivers

  • ▪ One of the premier ultra-luxury resort hospitality markets in the world, commanding the highest average daily room rates (ADR) in the United States.
  • ▪ Kahului serves as the island’s central commercial, shipping port, and aviation hub via Kahului Airport (OGG) and Kahului Harbor.
  • ▪ Severe geographic constraints and strict environmental regulations ensuring near-zero supply growth for new commercial developments.

Key Submarket Footprint in Maui Luxury Resort & Commercial Center

Wailea & Makena Ultra-Luxury Resort Corridor Kaanapali & Kapalua West Maui Hospitality Hub Kahului Commercial Industrial & Airport Harbor Hub Wailuku County Seat & Medical District Kihei Commercial Retail & Vacation Rental Infill Upcountry Maui & Pukalani Commercial Centers
Direct Underwriting Intelligence

Frequently Answered Financing Questions

Verified answers to common borrower and broker inquiries regarding loan sizing, guidelines, and execution.

Resort Underwriting

How does BancorpOne underwrite luxury resort properties in Wailea and Kaanapali?

We size debt based on historical ADR, RevPAR stability, food and beverage revenues, spa services, and sponsor operational track record.

Wailea resorts command the highest room rates in North America, attracting aggressive debt pricing from institutional life companies and specialized hospitality debt funds.

Explore Maui Resort Financing Terms →
Island Logistics

What loan options exist for industrial warehouses in Kahului?

We arrange bank balance-sheet financing and permanent commercial debt for food storage, container transload, and building material warehouses near Kahului Harbor.

Island logistics assets feature high occupancy and mission-critical tenant demand, enabling favorable long-term fixed rates.

Get Kahului Industrial Terms →

Active Loan Programs & Neighboring Commercial Markets