The Home Buyer's Korner

Information presented should be used for educational purposes only.

November 1st, 2015

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GREATER HONOLULU HAWAII

The Home Buyer’s Korner

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Comparing Renovation Home Loans

Home-Renovation-Loans (1)Home buyers and real estate investors should always have funding options for any project and having those options are a vital part of real estate investing. If you are a property investor, it’s likely you won’t want to use the same type of loan for each project. Needs differ with each project and a couple of them could be the amount of fund you need, or the terms in which you are willing to repay the loan.

There are several types of loans targeted for specific goals within a home purchase or investment project. For property investors, the Fannie Mae HomeStyle Renovation loan may be an option that you might want to consider for your next project, and several after.

The Fannie Mae HomeStyle Renovation loan is a financing option that provides funds for both the purchase and renovation of a home packaged into one mortgage loan, which only requires a single closing.

Fannie Mae explains their program with the following description: “The Fannie Mae HomeStyle Renovation mortgage enables a borrower to obtain a purchase transaction mortgage or a limited cash-out refinance mortgage and receive funds to cover the costs of repairs, remodeling, renovations or energy efficient improvements to the property”.

There are no required improvements or restrictions on the types of repairs allowed or a minimum dollar amount for the repairs. Repairs or improvements, however, must be permanently affixed to the real property and add value to the property.

This renovation financing from Fannie Mae is similar to the FHA 203K loan. In the distant past, many property investors considered the FHA 203K loan, as a way to finance their projects, however the loan product, simply wasn’t not a good fit for property investors and most were turned down due to strict rules and regulations.

The Fannie Mae HomeStyle loan is often called the FHA 203K alternative for property investors. It’s also worth noting that FHA no longer offers financing on properties, in which there isn’t an owner occupant resident, and therefore the program has long been unavailable to property investors.

The Fannie Mae HomeStyle loan is very similar to the FHA 203K loan, but also very different. One of the main differences being that the Fannie Mae HomeStyle loan is “Investor Friendly”. Both loans are one time close renovation loans, but they do have different requirements and different restrictions.

Let’s view the comparisons of each program.

FHA 203K

The FHA 203K loan is offered in two versions. There is the Full or Traditional version, which allows for adding rooms, converting the property into a Multi-Family or a Multi-Family into a Single Family. It allows one to repair structural issues, alterations and any type of major renovations, as long as they fall under the FHA’s minimum property standards and the total cost is over $35,000. This Full or Traditional version is also required if the renovation will take longer than 30 days to complete, but not more than six months and the rehab will require more than 2 payments to the contractor or contractors. Also an FHA 203K consultant is required when using the Full to Traditional version of the FHA 203K loan.

Then there is the “Streamlined” version of the FHA 203K loan, which is used for minor repairs under $35,000. Because there is a lot less paperwork, normally a home buyer can successfully complete the tasks and paperwork for this type of loan without using an FHA 203K Consultant. The FHA 203K Streamline version is designed for repairs that require no structural improvements, like painting, installing new carpeting or flooring, tile repair or purchasing of new appliances and installation.

FHA 203K loans with a minimum down payment requires a home buyer to have a FICO score of at least 620 to 640. With an FHA 203K loan, the maximum amount you can borrow is the lesser of either: 1) the as-is value of the property plus repair costs, or 2) 110 percent of the estimated value of the property once you do the repairs. With a streamlined loan, you can obtain a loan for the purchase price of the home plus up to $35,000, and the maximum LTV for this loan is 96.5 percent.

The FHA 203K loan is for home buyers who intends to occupy the dwelling for a period of at least 12 months unless they are a qualified non-profit organization. This can be a great way to buy a property as an investment only if you are willing to live in the property for at least 12 months. As an investor, if willing, you can also consider rehabbing a multifamily property, live in one unit and rent out the others. Here is a list of the type of properties that will qualify under the FHA 203K loan:

  1. Existing homes that are at least one year old.
  2. Condos- if the condo community has been FHA approved for financing for owner occupants. The loan will cover only the portion of the rehab that is not already taken care of by the existing HOA, the building the unit is in cannot have more that four units.
  3. Single family, duplexes, triplexes and Fourplex. In addition, you can rehab a single family into a multifamily (up to 4 units) or downsize a multifamily (turn a Fourplex into a duplex or triplex for example).
  4. Mixed- use properties such as a combination of residential and commercial, as long as the residential portion is the only part being renovated under the loan. There are limitations depending on the percent of other use versus residential use, and the number of floors that the building has:
  5. Tear-downs as long as the original foundation remains.
  6. An existing home that is being moved to a new foundation, however transportation of the existing home is not allowed in the financing.

Fannie Mae HomeStyle

Unlike the FHA 203K loan, the Fannie Mae HomeStyle loan is a conventional loan and the minimum down payment required is 5 percent for owner-occupied homes and generally 20 to 25 percent down for investors, and some lenders will offer up to 90 percent financing for second homes. As you can see, this minimum down payment requirements vary. For example, you have the option to refuse to buy mortgage insurance; however you may have to pay up to 20 percent as a down payment, if you choose to refuse it. You will also need a minimum FICO score of 680 to obtain the Fannie Mae HomeStyle Loan. The maximum loan that may be obtained is $417,000 dollars, except in areas Fannie Mae has deemed high cost, where loan limits are much higher.

Any work that is allowed under the FHA 203K loan is also allowed under the Fannie Mae HomeStyle loan, however, there are more advantages under the Fannie Mae HomeStyle program. With the Fannie Mae HomeStyle loan, you may add features that are considered “Luxury” items such as swimming pools, brick grills, outside bars, outside kitchens, spas, etc. These luxury features have to be permanently attached to the home and the features must add value to the home.

The big difference between the two loans is that the Fannie Mae HomeStyle Loan, unlike the 203K loan, is a little more flexible and allows you to not only rehab a primary residence, but also a second home, condo without a Certificate of Occupancy, or an investment property. What does this mean for Investors? This means that YES, the Fannie Mae HomeStyle loan is Investor Friendly and will allow Investors to purchase and/or rehab their investment properties under this program.

The LTV required for a Fannie Mae HomeStyle loan is up to 95% for primary residences, up to 90% for a second home and up to 75 to 80% of acquisition for investment properties, and the Acquisition includes the purchase plus rehab costs.

Now that the similarities and differences of the FHA 203K loan and the Fannie Mae HomeStyle Loan have been reviewed, we can now view the pros and cons of the Fannie Mae Homestyle Loan.

If you’re a property investor, you have your own personal preferences of how to structure and complete your rehab projects and some investors prefer hard money loans, some prefer traditional or conventional bank loans, and some would prefer the FHA 203K loan, if it were optional for investors.

How does a property investor know if this is the right choice for their next project or if going to a Hard Money Lender may be better? When it is time to decide which direction you would like to take, when it comes to funding for your next project, you will need to weigh the pros and cons of each option.

PROS

  1. Can obtain funding for both the purchase and the renovation of a project in one mortgage and go to one closing.
  2. A low bank interest rates and points compared to Hard Money loans As an Investor, you can often borrow up to 80 percent of the acquisition or up to 50 percent of the “as-completed” value or After Repaired Value, otherwise known as an ARV or (whichever is lesser). 
    1. Example 1: The as is value (purchase price) of a property is $50,000 and the repair value is also $50,000 which makes a total of $100,000 in acquisition. Fannie Mae will lend you $80,000 which is 80 percent of the acquisition. 
    2. Example 2: The value (purchase price) of the property is $100,000 and the repair value is also $100,000 which makes a total of $200,000 in acquisition. However, the “as-completed” value or ARV appraisal is $300,000. Fannie Mae will lend you $150,000 which is 50 percent of the “as-completed” value or ARV.
  3. ARV is accessible as soon as repairs are completed through a cash out refinance or home equity line of credit, meaning that new found equity can be used to purchase the next property.
  4. An unbiased appraisal will be ordered by the lender to confirm value.
  5. The appraised value on the Front-End will eventually become “As-Is” value when the project is complete, which can be borrowed against.
  6. 15 and 30 year terms available
  7. Any type of renovation or repair is eligible as long as it is permanently affixed to the property and adds value.
  8. Have 12 full months to complete the renovations after the loan closes.
  9. Depending on the project, mortgage insurance may not be needed.
  10. Unlike Hard Money Loans, where you have to rush to complete the renovation of a property and then sell it FAST to obtain the ARV to pay off the hard money loan before you are hit with more points. Fannie Mae HomeStyle loans give you more of a cushion. However, just like with any other type of loan, there are some cons to obtaining a Fannie Mae HomeStyle loan.

CONS

  1. Unlike most hard money loans, credit is needed to acquire a Fannie Mae HomeStyle loan. You will need a minimum FICO score of 680 and could require as much as 720.
  2. Fannie Mae will require many eyes on your renovation project such as appraisers and other representatives of Fannie Mae.
  3. There is much more paperwork to complete than a hard money loan or a traditional loan.
  4. Fannie Mae will monitor and manage your draw schedule.
  5. Depending on the type of work needed, you may need mortgage insurance.
  6. Fannie Mae will require you and your contractor to both sign a Fannie Mae issued a contract between you and your contractor before the loan is disbursed.
  7. Your contractor will have to meet Fannie Mae’s guidelines and standards, and if Fannie Mae does not view your general contractor as being “qualified”, you will have to find another general contractor.
  8. Plans and specifications of the renovation must be written in full detail and submitted to Fannie Mae before the loan is disbursed. “The plans and specifications should fully describe all work to be done and provide an indication of when various jobs or stages of completion will be scheduled (including both the start and job completion dates).”
  9. It may take a longer period of time to get approved for the Fannie Mae HomeStyle loan, then it would a hard money loan.
  10. There is a limit to the amount that can be borrowed, which is $417,000 with the exception areas designated as high-cost by Fannie Mae.

We can assume that there may be other small cons when deciding to choose the Fannie Mae HomeStyle loan rather than a hard money loan. Once again, it really all comes down to what is your preference and what is best for the project at hand.

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HAWAII HOME OWNERSHIP TOOLS

Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will

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96817 Honolulu OLOMEA ST OLOMEA ST Olona Ln Luka St Emmeluth Ln Emmeluth Ln Kepola Pl Mason Pl LANUI PL Lanui Pl River St Iliahi St ILIMA DR Ilima Dr Nuuanu Ave Park St Momolio St Hanai Loop Sereno St Hanalima Pl HANANA PL Hanana Pl DAYTON LN Analu St Lanakila Avenue APAKI ST Pahili Rd Apaki St Liliha St Liliha Court Ln LILIHA PL Liliha St PAHOEHOE PL Pahoehoe Pl Gartley Pl NAIO ST Naio St Kalepa Pl Dayton Ln Nakele St McNeill St Kalikimaka St Puunani Place Craigside Pl Nalanui St Apio Ln VINEYARD BLVD Vineyard Blvd Paina St NAMAUU DR Namauu Dr Keaeloa Ln Iwilei Rd Kealakai St KEALIA DR Kealia Dr Huene St Kaluhikai Ln Kaluhikai Ln Nanaina Pl KAM HWY ROOKE AVE Rooke Ave Kama Ln Kamaaina Dr Twin View Dr Kamaaina Pl Kamaka Ln Akamu Pl Kamalii St Matzie Ln Akepo Ln Puu Paka Dr Panalaau St Puuhue Pl PUUMELE PL Puumele Pl PUUNANI PL Puunani Pl Puunui Ave Lee Pl Ragsdale Pl Paui Pl Alewa Dr Alewa Dr Alewa Pl Kimo Dr Maalaea Rd Beretania St Beretania St D1a Lanakila Ave Kamuela Pl PIKAKE PL Pikake Pl Hemolele Pl Maui St Holelua Pl Laimi Rd Kanani Pl KUALONO ST Kualono St Mauliola Pl Muliwai Ln Houghtailing Street HALONA ST Halona Pl Halona St McCandless Ln McCandless Ln MAO LN Mao Ln Maunakea St HOUGHTAILING ST Houghtailing St Rawlins Ln PALA ST Stillman Ln Kuakini St ALA KIMO DR Ala Kimo Dr Hotel St AULD LN Pala St Auld Ln Lowell Pl Aulii St Aulii St Hoomaikai St Gregory St Hau St Kuipaakea Ln Aumoae St HOLOKAHANA LN Robello Ln Aupuni St Kula St Kanoa St JACK LN Palama St Palamea Ln Malua Dr BARBERS POINT ACCS RD Palapala Pl KUNAWAI LN Kunawai Ln Jack Ln MAPU LN Mapu Ln HUINA ST Huina St MAMALAHOA PL Mamalahoa Pl MAMALU PL Mamalu Pl Mamalu St Waokanaka Pl Waokanaka Pl Waokanaka St Mawae Pl Waolani Ave POHAKU ST Pohaku Pl Pohaku St KUPU PL Kupu Pl Kaohinani Dr Kaohinani Dr Alakawa St Bates St KAPALAMA AVE Kapalama Ave Huli St  Makalapua Pl FOR RENT PANUI ST Wolter Ln Panui St PALI HWY Pali Hwy Palimalu Dr Bernice St Kapua Ln SKYLINE DR Bates St Elena St NUUANU PALI DR Nuuanu Ave NUUANU AVE ANALU ST Palama St Waipa Ln Honolulu Hi Hinalo Pl PUU PAKA Simon Rd WAIHELUA RD KAM HWY Wong Ln Aloha Aina Pl KAIHELENA PL Austin Ln LOPEKA PL Hoaloha Place Lopez Ln Hillcrest St ALOKELE ST Alokele St YAMADA LN Yamada Ln Lopez Ln Country Club Rd SHERMAN PARK PL SHERMAN PARK PL KUHIO HWY Niniko Pl Judd St Nuuanu Ave Niolopa Pl Niolopua Dr Alaneo St Kuakini St Moanawai Pl Stream Dr Alani St Skyline Dr Watson Pl Frog Ln KEKAU PL Kekau Pl Homelani Pl WINANT ST Winant St Waiakamilo Rd Ehako Pl Eheu St WAIHEE ST Akau Ln Waihee St Waikahalulu Ln Puunui Ave Hawaii St Hiram Ln BANYAN ST LANE Laa Ln Old Palama St Old Pali Rd Old Pali Pl Old Pali Rd Oo Ln Banyan St Sing Loy Ln WAIPA LN Waipa Ln Mason Pl Kiapu Pl Io Ln Long Ln Huna St PUA LN Pua Ln Brigham St SCHOOL ST Meleana Pl School St Pine St MORRIS McNeill St Henry St Alika Ave Ekekela St Ekekela Pl Iao Ln Luakini Pl Mahalo St Luakini St Laki Rd Lakimela Ln Nimitz Hwy Nu Pl Dillingham Blvd JUDD ST Judd St Hialoa St Poli Hiwa Pl Hikina Ln Craigside Judd St Hoaloha Pl Hoapili Ln BURBANK ST Morris Ln Haka Dr Hakumele Pl Kilakila Dr Hala Dr Kohou St Burbank St 29 Hillcrest St FOR RENT Halapia Pl Easy St Wood St KOKEA ST Kokea St Allan Pl Judd St Monte Cooke Pl Aala St Bachelot St PUIWA RD Puiwa Ln Puiwa Rd Craigside 2101 Nuuanu Ave College Walk Peter Buck St Naio St Dow St Park Pl Pulelehua Way Rosebank Pl Huake Pl Konia St Olaa Pl MAKALAPUA PL Makalapua Pl Olalahina Pl Easy St Makanani Dr Makanani Dr KING KING ST King St Nuuanu Pali Dr For Rent Polohi Pl Polohilani Pl Polohinano Pl Polohiwa Pl Makuahine St Makuahine Pl Makuahine St Makuakane Pl Makuakane St Momolio St Ahi Pl Ahiahi St Ahipuu St Eu Ln KAAUWAI PL Kaauwai Pl Peterson Ln Lei Rd Kaauwai Pl For Sale Hone Ln Mahalo St Walea Pl NUUANU Nuuanu Ave NUUANU PALI DR Malanai Pl PUNA ST Puna St KUAKINI ST Kuakini St Kukui St Noble Ln MUTUAL LN COELHO WAY Coelho Way Kaena Ln Kauai St Klebahn Pl Kahawalu Dr KAUMAILUNA PL Kaumailuna Pl Kaumualii St Judd St Lolena Pl Lolena St SCHOOL ST Aipaako St Dowsett Ave Ihe St IHOLENA ST Iholena Pl Iholena St Kawaiiki Pl Robinson Ln KAWANANAKOA PL Kawananakoa Pl Kaikuahine St Kaikuahine St Kaikunane Loop WYLLIE ST Wyllie Pl Wyllie St Lanai St LANAKILA AVE Lanakila Ave McGregor Ln AHIAHI PL KANOA ST KEPOLA PL LAA LN PALAMEA LN LOI KALO SING LOY LN Kaimuohema Pl Malino Pl Mcgrew Ln Pelekane Dr Keola St Keolewa Pl Keolewa Pl KEONAONA ST Keonaona St

96818 Honolulu Moanalua Rdg Wiliki Dr Anapa St Holapa St Likini St Tinker Ave Keaka Dr Manuwa Dr Puuku Makai Dr Puuku Mauka Dr Piikea Pl Piikea St 20th St Honohono St Haloa Dr Ala Akulikuli St Ala Alii St Ala Aloalo Pl Ala Aloalo St Pakini St Wanaka St Ala Aupaka Pl Ala Awapuhi Pl Ala Hahanui St Ala Hapuu Pl Ala Hapuu St Ala Haukulu Pl Ala Haukulu St Ala Hinalo Pl Ala Hinalo St Ala Hinano Pl Ala Ilima St Ala Kamaile St Ala Kapua Pl Ala Kapua St Ala Kika Pl Ala Kopiko Pl Ala Kopiko St Ala Laulani St Ala Lehua Pl Ala Lehua St Ala Leie Pl Ala Leie St Ala Leleu St Ala Lilia St Ala Lilikoi PlAla Lonomea St Ala Makahala Pl Ala Nanala St Ala Nanu St Ala Napuaa Pl Ala Napunani Ala Naupaka St Ala Nioi Pl Ala Noni Pl Ala Oli St Ala Oliko Pl Ala Oloa Pl Ala Opeha Pl Ala Pili Loop Ala Pili Pl Ala Poha Pl Ala Puaala Pl Ala Puaala Way Ala Puawa Pl Ala Pue Pl Ala Punene Pl ALA PUUMALU PL Ala Puumalu St Ala Ulike Pl Ala Ilima St Kukila Pl Kukila St Halupa St Palahinu Pl Mananai Pl Maluna St Valkenburgh St Hulakui Dr 7TH ST Ala Nanala St BOUGAINVILLE DR 8TH ST MANANAI PL Mananai Pl BOUGAINVILLE DR Mananai Pl KAHAKAI RD 18th St 19th St Signer Blvd 3161 Ala Ilima Moreell St MOANALUA RD Main St Aliamanu Pl Aliamanu St Likini St Laakea Pl Laakea St 1ST ST Puanakau St Ala Ilima St Luaole Pl Luaole St Luapele Dr Luapele Pl Ala Napunani St Mahie Pl Mahie St Main St Uila St Ukali St Ukana St Hakupapa St Olino St Wawe Pl Opua St Salt Lake Blvd Makaala St Ala Ilima St Olaloa St Epukane St Lehia St Ala Ilima St Loina Pl Naulu Pl Punihi St Aila St Puolo Dr Kahikolu Pl Kahikolu Way Likini St KAM HWY Molehu Dr Molina St ALA LILIKOI ST KAM MOANALUA RD LIKINI ST WANAKA ST SALT LAKE BLVD RADFORD DR

96819 Honolulu Emmeline Pl Pio Pl Pio Pl Waterhouse St Beckley St Beckley Pl Beckley St Laulani St KALAEPAA DR Kalaepaa Dr LUKELA LN Lukela Ln Laumaile St Kalena Dr Kalama Rd Kalama Rd Kalani St Kalania Pl WILSON ST Kale Pl LAGOON DR Pahukui St Pahulu St OWAWA ST Owawa St Iwaho Pl KALIHI ST Kalihi St Colburn St Nakuina St Nalani St NALANIEHA ST Nalanieha St Wilcox Ln Iluna Pl Owen St KINO Owene Ln Stanley St Huea Pl Kealoha Pl Kealoha St Kaluaopalena St Kam Iv Rd AKAHI ST Akahi St KAMANAIKI ST Kamanaiki St PUUHALE RD Puuhale Rd PUUKAPU ST PUUKAPU ST Kamehameha Hwy PUULOA RD Kamehameha Iv Rd AKINA Akina St Maalahi Pl Maalahi St Akone Pl Kamohoalii St Kamohoalii St Omilo Ln NOULO ST Kuapohaku Dr Kuahiwi Way Haaliki St Apona St Kuapapa Pl Kuapohaku Dr Wilson Pl Nene St Lakapu St Kini Pl Ala Amoamo Pl Ala Amoamo St Ala Aolani Pl Ala Aolani St Ala Aoloa Pl Ala Aoloa Loop Ala Aoloa Pl Hani Ln Hani Ln Ala Hekili Pl Ala Hoku Pl Ala Iolani Pl Ala Iolani St Ala Kapuna St Ala Kiao Pl Ala Kipa St Ala Kolopua St Ala Kula Pl Ala Lani Pl Ala Lani St Ala Mahamoe Pl ALA MAHAMOE ST Ala Mahina Pl Ala Makani Pl Ala Makani St Ala Makani Way Ala Noe Pl Ala Noe Way Ala Nolunolu St MEYERS ST Nanimauloa Pl Ala Uahi Pl Ala Uwila Pl Ala Waiopua St Kui Pl Hau St Kuikele Pl Kuikele Pl Kuikele St LIMA ST Lima St HAUIKI ST Hauiki St KULA KOLEA PL Kula Kolea Dr Kula Kolea Pl Meyers St Haumana Pl Kanoelani Rd Haupu Pl Factory St PALANEHE ST Palanehe Pl KINO ST Kino St Nimitz Hwy Adelaide St Poepoe Pl NIHI ST Adelaide St Nihi St Palena St Palena Pl Palena St HULALI PL Hulali Pl Mary St Ala Kapuna St Naopala Ln Pili Aloha Pl 2004B/C/D PUUKAPU ST Piliwai St Wilson St HOLUA WAY Holua Pl Holua Way Hart St Elua St ELUWENE ST PAPALI ST Eluwene St Papali Pl Papali St Manaiki Pl Self Ln Gulick Ave RICHARD LN 1728 Ahuula St FOR RENT Keha Pl Machado St Notley St ALA HOKU PL KALIHI ST ANUU PL PERRY ST MAKA IMOIMO ST Libby St KAAOHUAHUA PL Richard Ln Moanalualani Pl Linapuni St KAULANIAHEE PL Ala Kapuna St LINAPUNI MAHIMAHI RD Onipaa Pl Onipaa St EWA BCH PAPIPI MOANALUA Moanalua Rd Moanalualani Ct Moanalualani Pl Moanalualani Way MOANI ST Moani St ROSE ST ALA KAPUNA Ema Pl Wahine Pl Bannister Pl Ahihi Street Bannister St ANO LN Ano Ln Republican St WAIKAHE PL Waikahe Pl Unulau Pl Waikoae Rd Perry St Homerule St Wailele St Wailele St Hanu Ln Amelia St ASHFORD ST Kapalulu Pl Murphy St Merkle St Oheke Pl Amelia St Puaala Ln Puaala Ln Puanani Ln Meyers St School St Hiu St Silva St Linapuni St Farr Ln Farr Ln Maha Pl UAALAKAA ST Uaawa Pl Lakoloa Pl Mahani Loop Dillingham Blvd Mahaoo Pl Hihio Pl Dement St LALAMILO PL Lalamilo St Hiki St Pacheco St Uhu St Mahiole Pl Mahiole St OHU ST Ohu St Ukiuki Pl GULICK AVE Gulick Ave Haku Pl Haku St Hakuaina Pl Democrat St Ula St Ulana St Ulana Pl Ulana St GERTZ LN Gertz Ln Rose St Moelola Pl Numana Rd Numana Rd PULAA LN Pulaa Ln Rodgers Blvd Umalu Pl Pinkham St Kolopua St Monte St MIDDLE ST Umi St Horner St Arsenal Rd Horner St Ola Ln Ola Ln Kono Pl Kono St KING ST King St Harvey Ln Laniuma Rd Kopke St Fernandez St Ahihi St Poma Pl Lohilani St AHONUI ST Ahonui St Harvey Ln LEHUA ST Lehua St Ahu Ln Ahuahu Pl Laelae Way Ahuula St Anuu Pl Hoe St Hoenui St Koapaka St MIDDLE ST Kilohana St KILOHI ST Kilohi St KILOLANI PL Kilolani Pl VIOLET ST Kahaha St Kahai St Puolani St Puolani St Martin St Kamehameha Iv Rd For Sale JENNIE ST MARTIN ST STRM Kahanu St PUPUKEA HMST RD KAHAUIKI PL Kahauiki Pl Kahauiki St Lokelani St Ainapua St Jennie St Valley View Dr Likelike Hwy Nobrega St Halina St LEILANI ST Kaumualii St AOAO ST Leilani St Aoao Pl Aoao St Mokauea St Noe St VIOLET ST Kam Hwy Day Pl Alu Pl Alu St Kaili St Kawohi Pl KALIHI ST Lehua St Naai St A Beckley St Honolulu Hi ALA LANI Kalihi St Kamehameha Iv Rd EMMELINE PL King St LIKELIKE HWY Elliott St PILIWAI ST School St Maliu St PAPIPI

96822 Honolulu Huelani Pl Huelani Dr Huelani Pl Kamehameha Ave Parker Pl Clio St Poelua Pl Poelua St Haawale Pl Alekoki Pl Hoomaha Way Aleo Pl Hoonanea St Davenport Pl Peneku Pl Davenport St Pauma Pl Paumaka Pl Punahou Chalet Alexander St Papala St Kanu St Wilder Ave Kaonawai Pl Evelyn Ln Spencer St Makiki St Makiki St Vancouver Dr Pawaina Pl Pawaina St Pawale Pl Vancouver Pl Lower Rd Vista Pl Makiki St Hulu Pl Alexander St Victoria St Rainbow Dr Lowrey Ave Lowrey Ave LOWREY ST Hopena Way Mott Smith Dr Ualakaa Pl Ualakaa St Haena Dr Poki St Karratti Ln Hanupaoa Pl McCully St Anoai Pl Anoai Pl Koaniani Way Koaniani Way MAKALE A ST Uluwehi Pl Linohau Way Hunnewell St Hunnewell Pl HUNNEWELL ST Sonoma Pl Sonoma St Ferdinand Ave HAIKI PL Clark St Manoa Rd Manoa Rd Enos Ln HAIKI Ualakaa St UHINI PL WILDER AVE BEAUMONT WOODS Beaumont Woods Pl Manoa Rd Griffiths St Alihilani Pl Hillside Ave Kolomona Pl Kolowalu St Komaia Pl Komaia Dr Komaia Pl East Manoa Road Poloke Pl Pololei Pl Pensacola St Lipioma Way Makiki St Makiki Heights Dr Makiki Heights Rd MAKIKI HEIGHTS DR Makiki Pl Makiki St Lanihuli Dr Halekula Way Lanikaula St Halelani Dr Halelea Pl Halelena Pl Spreckels St Oliver St Malama Pl Rocky Hill Pl NEHOA PL Nehoa St Liholiho St Liholiho St Liholiho St Judd Hillside Rd JUDD HILLSIDE ST Leiloke Dr Prospect St Waakaua Pl Waakaua St Waaloa Pl Waaloa Way OLOPUA ST Lawa Pl Green St Kawika Pl Ahualani Pl Anuenue St Ventura St Keoni St Pawaina St Aina Lani Pl Aina Lani Way Nakiu Pl HASSINGER Hassinger St PROSPECT ST Aolani Pl Hiehie St Prospect St Lelehune Pl Dole St Metcalf St Puunanea Pl TOP DR Marques St Keahi St Keahi Pl Luna Pl Keahi St Woolsey Pl Piikoi Pl Piikoi St Keama Pl Lunalilo St Lunalilo St Wilder Ave KEEAUMOKU Beckwith St KEEAUMOKU ST Prospect Pl Ernest St Lunalilo St PROSPECT ST MAUNAIHI Magazine St Beckwith St KEEAUMOKU ST Ward Ave Pakanu Pl Pakanu St Anapuni St Lono Pl Lilo Pl Liloa Rise Damon St Kuahine Dr Mauna Pl Maunaihi Pl Maunalaha Rd Nanihale Pl Naniu Pl UNIVERSITY Keeaumoku St Keeaumoku Pl Keeaumoku St SEA VIEW AVE University Ave Wilder Ave PROSPECT ST Prospect St Seaview Ave Akaka Pl Wilder Ave Ward Ave Mott-Smith Dr MOTT SMITH DR Mott-Smith Dr Pilikino St Pililani Pl Dominis St Loomis St Kinohou Pl Kumu Pl Kumu St Halulu Way Kumukoa Pl Kumukoa St Kumulani Pl Kumulani St Kumuone St Kumuwai Pl Mamane Pl McKinley St One St Loomis St Oneele Pl MANAMANA PL Armstrong St Napuaa Pl Kewalo St Armstrong St Nipo St Waipuna Rise Wilder Ave Makiki Hts Dr Pinao Pl Pinao St Pinaoula Pl Pinaoula St Whitney St Terrace Dr Brown Way Hyde St Chamberlain St Puaena Pl CLEMENT ST HIPAWAI PL Heulu St Alani Dr Emekona Pl Melemele Pl ALAULA WAY Oahu Ave Oahu Ave Seaview Ave Atherton Rd Seaview Rise Atherton Rd Mahi Pl Puhala Rise Puhala Rise ROUND TOP DR Round Top Dr Round Top Ter Hoalu Pl Okika Pl Pulena Pl PULENA ST Mohala Way Farrington St Plumeria Pl KAWIKA PL Huapala St Anoai Pl Maile Way Punahou St Nehoa St MANOA RD Kaaipu Ave Loi St Kaala Pl Kaala St Kaala Way Wilder Ave KAAMALIO DR Kaamalio Dr Cooper Rd Kahaloa Dr Kahaloa Dr Kahaloa Pl Vancouver Dr Kahawai St Anela Pl Kahewai Pl Artesian Way Moku Pl Doris Pl Loulu St Kahiwa Pl Woodlawn Dr Loulu St Prospect St Lewalani Dr Lewalani Dr Avon Way Kaihee St Alexander St Pamakani Pl Woodlawn Dr Momi Way TANTALUS DR  Kakela Dr Tantalus Dr Kakela Iki Pl Kakela Pl Kalaiopua Pl Awapuhi St Woodlawn Terrace Pl Thurston Ave Aina Lani Way Judd Hillside Rd Round Top Dr Kalawahine Pl Kalawahine Pl Kalawao Pl Kalawao St Pamoa Rd Kalehua St Dole St Continental Plaza Lunalilo St Pipa Pl Puu Kakea Pl Puu Nanea Pl Puualii Pl Puuhonua St Paty Dr Kaloa Way KALOALUIKI PL Kaloaluiki St

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