How it works
We welcome investors who want to help Hawai‘i families and communities thrive. Your partnership provides capital for our real estate projects while supporting our mission-driven work.
Funds from investors are used to restore and improve homes, helping families stay rooted in Hawai‘i. Every project is carefully planned to balance community impact with financial stewardship, so your support has lasting value.
As projects progress, investors can see how their contributions are making a difference — in homes restored, youth supported, and communities strengthened. This is an opportunity to invest in more than just real estate: it’s an investment in Hawai‘i’s future.
Partner With Us
Partner with Hoʻopuakea
Partnering with Ho‘opuakea Collective means more than investing in real estate — it’s joining a mission to strengthen Hawai‘i’s families and communities.
We are committed to transparency, integrity, and purpose-driven growth. Every project is thoughtfully planned to balance financial stewardship with meaningful impact. By working with us, you help restore homes, create opportunities for youth, and nurture communities that can thrive for generations.
Your partnership is an investment in Hawai‘i’s future — one that brings hope, stability, and light to the people and places that matter most.
FAQʻs
What is Private Money Lending (PML)?
Private money lending is your opportunity to become the bank. You lend your money to a real estate developer and earn the interest annually, which allows you to generate cash flow and produce a predictable income stream.
The way a bank earns income is by giving out loans and collecting interest, in the form of personal loans, mortgages, auto loans, small business loans, etc. As a private money lender youʻll become the bank by giving a loan to us and making 12% interest on the money you lend.
The annual return on the money you lend is 12% on a 12 month term with a built-in optional 3 month extension. You can receive you can receive your interest through monthly checks or in a lump sum at the end.
The passive income you generate as a private money lender is 10x higher than a bank savings account and 4x higher than a bank CD.
Your funds are secured through a promissory note, deed of trust and depending on amount, a lien on property. Private money lending offers predictable, fixed rate returns and consistent cash flow. The risk is further mitigated by the equity buffer on the property being secured as collateral.
Real Estate Private Money Lending (PML) is a way to invest with security and purpose. Loans are backed by real estate and fully insured, often secured by a deed of trust or mortgage for larger investments.
Unlike banks, which can be affected by inflation or financial instability, and the stock market, which is unsecured and uninsured, PML provides a tangible, collateral-backed way to grow your investment while supporting meaningful community projects.
How is my money secured?
After the lending period your exit options are to:
1. withdraw your profits and your principal
2. withdraw your profits and re-lend your principle
3. re-lend both your profits and your principal.
Example: 12% APR - if you lend $100,000 you are making $12,000 interest per year. If you lend $200,000 you are making $24,000 per year.
What are my exit options?
Deals can be funded with cash, home equity lines of credit (HELOC), personal/business lines of credit (LOC), self directed IRA, liquidated securities and investments.
How do I fund a deal?
Minimum Investment:
Our minimum standard investment is $50,000 when working with private money lenders. however, for local lenders and new lenders, we may agree to a lower initial investment amount to ensure youʻre confident working with us.
Payment Schedule:
We pay interest monthly or annually, depending on your preference. Your principal amount tis paid in a lump sum at the end of the term.
Lending Term:
We do 12 month notes with an optional 3 month extension built in.
Lien Position:
We offer lien positions to our larger lenders.