Passive Note Platform
Invest in real estate - without the hassle or expense of managing the property!
Investing in residential real estate as the lender means you get a personal guarantee of payment from a credit worthy borrower instead of signing one yourself!
Your investment in a real estate backed note is protected by the equity in the property along with the wealth and income of the underlying borrower.
WHOLE NOTES AVAILABLE NOW
PASSIVE, HIGH YIELD NOTES ON RESIDENTIAL REAL ESTATE THAt you own and control!
Oklahoma City – Fix & Flip
Oklahoma City – Fix & Flip
Fix & Rent – Longmont, CO
This is a light rehab on a single family in Longmont, CO by two active real estate investors, one of which is also a real estate investor.
Fix & Rent – Memphis, TN
This is a fix to rent investor that is very experienced with the rehab being managed by Memphis Invest – https://www.memphisinvestmentproperties.net/. Memphis invest is a turnkey operator that has managed the rehab and lease up of hundreds of properties in the Memphis metro area.
Fix & Flip – Metairie, Louisiana
Fix & Flip- Longmont, CO
This property was acquired through a wholesaler (not listed on MLS) and is need of an update to meet market standards. The property is in a great neighborhood of Longmont, CO, just outside of Boulder and an easy commute to Denver. The borrowers are experienced real estate investors and one is also an active real […]
Fix & Flip in Chicago, IL
This 3-unit building is located in the historic Tri-Taylor neighborhood near the Illinois Medical District, University of Illinois, surrounded by top-rated schools, parks, shopping, and public transportation. The main level is already renovated, they borrower will be renovating the two additional units including new kitchens, bathrooms, flooring and mechanicals. They are highly experienced, local real […]
Fix & Flip in Sandia Park, NM
This is a full rehab of a property located at Sandia Park, a mountain community outside of Albuquerque. The property was purchased from a family who has owned it for many years and recently sat vacant for over a year. The home will be completely remodeled inside and outside along with mountain landscaping. The borrowers […]
Bridge to Perm in Glenside, PA
The property is a two unit rental in Glenside, PA, a town just 6 miles outside of Philadelphia. The town is most notable for its entertainment, such as the Keswick Theatre, restaurants, recreational facilities and parks. This loan is a 24 month bridge loan to build short-term rental history with a goal to refinance by […]
Bridge to Perm in Cleveland, OH
Detached Duplex with 5 bedrooms and 2 bathrooms in the Clark-Fulton Neighborhood. The borrower typically purchases and rehabs properties in cash and is using purchase only financing on this property to be more efficient with his capital. Upon completion of rehab, the loan will be refinanced into a DSCR loan from Aloha Capital.
FRACTIONAL NOTES AVAILABLE NOW
PASSIVE, HIGH YIELD NOTES ON RESIDENTIAL REAL ESTATE WITH $50K INVESTMENT INCREMENTS
PASSIVE INCOME MADES EASY!
Aloha Capital makes it easy to invest in high yield notes collateralized by real estate.
We do all of the heavy lifting, so that you can be a truly passive real estate investor. We identifying, underwrite, originate, service and oversee each loan offered to our passive note investors.
INVESTING IN REAL ESTATE NOTES
OUR UNDERWRITING PROCESS
Project Type & Feasibility
Info coming soon.
Guarantor Experience & Financial Stability
Info coming soon.
Property Valuation & Rental Income
Info coming soon.
Strength of Exit Strategy
Info coming soon.
Investing in Real Estate as the lender means you get a personal guarantee of payment instead of signing one!

Kevin Hill
I love that I get to select the underlying investment property, borrower and project type. Earning double digit annual return and receiving monthly interest income directly into my bank account is amazing!

Steve Sapourn
I am an emergency department physician and have been invested with Aloha since they were established. The interest income I earn has given me the opportunity to work less shifts that I have in the past.

Randy Bensen
INVESTING IN REAL ESTATE NOTES
FREQUENTLY ASKED QUESTIONS
What is passive note investing?
Passive note investing is what we provide to our investors. As a lender, we invest money into an asset with the expectation of generating income. It’s a passive investment because the lender’s time is not required to manage or operate that real estate asset. The asset (like a distressed home) is backed by a note and a first-position lien.
On the flip side, active real estate investing, means investing both capital and time into an asset to generate income, such as being a landlord or rehabbing a home. Active real estate investors are responsible for finding the properties, getting financing, overseeing renovations, and/or managing tenants.
What is the process to invest into the note I select?
- Select a note to invest in and notify our Investor Relations team.
- We send a due diligence package along with the Loan Purchase & Servicing Agreement via DocuSign to you.
You wire in the loan amount & we provide an Assignment & Allonge.
What is my rate of return?
The interest rate and expected monthly interest amount payable on the note is listed for each note on the Aloha Passive Note Platform.
When do I receive interest payments?
Aloha services the loan on your behalf and delivers monthly interest payments into your bank account by the 25th of the month. Ex: January interest is due from the borrower on February 1st, and paid to the investor by or before February 25th.
How long do the notes pay me interest?
The note you choose shows the length and maturity date. Most of the notes presented on the Aloha Passive Note Platform are 6 months or 12 months in duration.
The notes do not have a pre-payment penalty, so the borrower could pay them off early.
In some cases, the borrower may be unable to finish the property in the allotted term length. For this situation, Aloha Capital, as servicer, provides an optional 3-month extension, approved only if the project is advancing at a satisfactory pace. The extension corresponds with an additional fee to be shared on a pro-rata basis with you, the note investor.
How much money do I need to invest?
We are currently selling whole notes, of various size, ranging from $50K to $500K.
Starting in April 2023, we will be offering fractional ownership of notes with a minimum $25K investment.
Do I need to be an Accredited Investor?
We prefer that investors acquiring whole or passive notes from the Aloha Passive Note Platform be accredited.
What are the risks of investing in notes?
Like any investment, there are risks involved with investing in real estate notes. There are also mitigating factors to help mitigate the downside risks.
For example, the market value of the property could be decreasing. Our loans are short-term in nature (6-12 months), which reduce the likelihood that a significant value decrease will occur while the note is outstanding. In addition, we underwrite the borrowers profit upon sale as well as the cash flow of the property if the borrower wants or needs to hold it as a rental.
Prior to investing, you should fully diligence each deal, as well as consult your investment, tax and legal advisors prior to investing. Additional risks for each deal will be outlined with the Offering Materials.
Can I sell my investment?
No. We currently do not offer a secondary market for selling notes you have purchased.
