The Home Buyer's Korner

Information presented should be used for educational purposes only.

June 23rd, 2015

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GREATER WAIKIKI HAWAII

The Home Buyer’s Korner

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Buying a Home for Your Parents

Buying a home for your parents 2

Get Pre Approved for a Home Loan

It’s not all that uncommon for parents to help their children buy a home, but sometimes it makes sense for an adult children help buy a home for their parents.

It may be that you’ve been successful and want your parents to have a better home than the one they’re in now. Perhaps their current residence no longer meets their needs or maybe they simply live too far away and it’s time to rethink your extended family living arrangements.

Basically, you have several issues to consider:

  1. Buy a home for them outright and allow them to live there.
  2. Assist them in financing a home if they’d have difficulty obtaining a loan by themselves.
  3. Finance a home and help them with the mortgage cost to make it affordable.

Coupled with these are questions about financing, title, taxes and the eventual sale or inheritance of the property, which vary between each state, so talk with a real estate agent, mortgage lender and attorney after reading the post to get more details.

If you’re planning to finance the purchase of the home yourself, you may have significant assets to draw upon or you can explore the option of financing with a traditional FHA mortgage loan as a non-occupying co-signer, which only requires a 3.5 percent down.

If your parents can’t qualify for a mortgage on their own, but can cover all or some of the mortgage payments and other expenses, you might consider taking on the role of a non-occupant co-signer. While this is more commonly associated with car loans and other smaller obligations, it can also be used on a mortgage.

When you put yourself on the loan as a co-signer, you’re accepting responsibility for ensuring that the mortgage payments are made, the same as your parents. If they can’t pay the loan one month or for an extended period of time, you’re promising to step up and cover it.

FHA views these types of purchasing differently than conventional mortgages. Unlike a conventional mortgage your lender won’t consider this home as a second home purchase or investment property, which requires large down-payments, cash reserves and often a higher interest rate.

When purchasing a home for your parents as a non-occupying home buyer, you can benefit for a nice tax break. You can deduct the mortgage interest on both homes, up to a total of $1 million for the combined mortgage balances. You can deduct the property taxes on both, too. However, if you already own a second home and have mortgages on both, you can only claim the mortgage interest deduction for two of the three properties.

Another great reason to consider an FHA mortgage in this scenario is that unlike with a conventional mortgage won’t face the obstacle of a property with conventional financing needing to be at least 50 miles away from your primary residence to secure second home financing and a lower interest rate. That doesn’t work so well if your parents are moving to be close to you or if you’ll be helping to provide care.

There is an option called the Family Opportunity Mortgage, which is authorized by Fannie Mae and Freddie Mac and designed for children buying a home for an older parent who is unable to work or qualify for a mortgage on their own. It waives the 50-mile requirement and allows the loan to be qualified in terms similar to a mortgage on a primary residence, meaning a lower interest rate and a down payment of as little as 5%, rather than the 20%-25% commonly required on second homes. However, it is a niche product and it may be difficult to find a lender that offers it.

Regardless of how the home purchase is financed, there is one other major issue to consider – whose name goes on the deed. Putting the home in your parents’ names, for example, could jeopardize their eligibility for Medicaid, if they may be in need of that program. The home could also be considered a countable asset that might have to be sold to defray Medicaid nursing home expenses.

However, having the property in your parents’ names could allow you to escape capital gains tax consequences that a second home would be subjected to, should the property rise in value. However, there could still be issues related to the inheritance of the property when the time comes.

Most attorneys recommend that people buying a home for their parents place the property in a trust. That allows the parents to enjoy the use of the home and provides a mechanism for the home to pass on to the child or children with minimal complications. Laws do vary by state, however, so it’s essential to get good legal advice before pursuing this route.

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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

have the option to “Create A Printable PDF of the Presentation”.

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St PALOLO AVE Palolo Ave Palolo Pl Palolo Terrace Pl Moho St Paloma Pl Moi Way Helo Pl Loke Pl Pehu St Noeau St KAHALA AVE Kahala Ave Mokihana St Apuwai Pl Mokuna Pl Noio St KAIKOO PL Kaikoo Pl KAIKUONO PL Iiwi St Kaimanahila St Kaimanawai Pl Kaimuki Ave 19th Ave Kainapau Pl PALUA PL Eugene Pl 15th Ave Launa Pl Kala Pl Kalaepohaku Pl Kalaepohaku St 11th Ave Pelu Pl Hanakealoha Pl Hoku Ave Puu Eleele Pl 6th Ave Puu Panini Ave 12th Ave PUULANI PL Puumalu Pl Ave Puunoa Pl Pana Pl 22nd Ave Waialae Ave  Olohena St Nohili St Olowalu Pl Olowalu Way Keahole Pl Kaiwiki Pl Kakapa Pl Kakiwa Pl Laukupu Way Kalahu Pl Moloaa St Kalakua St Kalalau Pl Kalalau St Kalalea St Kalama Paka Pl KALANIANAOLE Kalanianaole Hwy Kalanipuu Pl Kalanipuu St Hanakapiai St Kalapaki Pl Kalapaki St Hanakoa Pl Hanakoa St Anahola St Nawiliwili St Hanamaulu St Anakua St Hanapepe Loop Hanapepe Pl Nahoku Pl Anapalau Pl Anapalau St Kaleikini Way Kaleimamahu St Lumahai Pl Lumahai St Hokulani St Nakalele St Kalihiwai Pl Kalina Pl Nomilo Pl Nomilo St Namahealani Pl Portlock Rd Kaloaloa St KAELEKU ST Keahole Pl KEALAHOU ST Kealahou St Honokahua Pl Honokahua St Kalopa St Nana Honua St Kaluaa Pl Kaluanui Rd Kaluanui Way Honono St Honopu Pl KOKO NANI ST Lunalilo Home Rd Kamala Loop Lunalilo Home Rd Kamaole St Kamaomao Pl Manulele Pl Puuehu Pl Kamehame Dr Kamehame Pl Puumahoe Pl Puuomao Pl Puuomao St Kamilo St Kamiloiki Pl Kamilonui Pl Kamoi Pl Kamookoa Pl Pihana St Keahole Pl Kalalau St Laielua Pl Paioluolu Way Eaea Pl Kuaehu St Kanakou Pl Kuahono St Kuamauna St Kuanalu Pl Hawaii Kai Dr Maunanani St Pakala St Kuekue St Auhea Pl Portlock Rd Hoolako Pl Maloo Pl Kukii St Kapo Way Kukuau Pl Holokai Pl Kukuiula Loop Kukuiula Pl Kanoenoe St Pikoni Pl Pilaa Pl Kulani St Kulauala Way Hoopii Pl Kumukahi Pl Kumukumu St Huialoha St Naohe St Palea Way Hawaii Kai Dr Kaohe Pl Kaolo St Alakoko St Hawaii Kai Dr Kaoopulu Pl Kaoopulu Way Pohoiki Pl Kapa Pl Kapaia St Kapalapala Pl Kapapala Pl Lunalilo Home Rd Kapo Way Kapoho Pl Paoo St Eleele Pl Paliku St Kapulena Loop Kapunapuna Way Papalalo Pl Wainiha St Hanohano Pl Hanohano Way Kapaia St Waiopua St Napoko Pl KALANIANAOLE HWY HAWAII KAI DR KALANIPUU ST Muolea Pl Lunalilo Home Road Cw NAPUAHANI RD MAUNANANI ST Kawaihae St Onini Pl Inuwai Pl Inuwai Way Ninini Pl Ninini Way Lunalilo Home Rd Kipu Pl KIPUKAI PL Kipukai Pl PEPEEKEO ST Pepeekeo St PEPEEKEO ST Onohi St PEPEEKEO ST Naohe Street PEPEEKEO ST Kekaa St Kekaha Pl Kekauluohi St Kekupua Pl Kekupua St WASTEWATER PLANT Waialeale St Waihili Pl Niumalu Loop Lunalilo Home Rd Waika Pl Hawaii Kai Dr Waikanaloa St Waikapu Loop Ehu Wai Pl HAWAII KAI Hawaii Kai Dr Wainiha St Lunalilo Home Rd Ookala Pl Oomano Pl Kiaala Pl Opaekaa St Waioli Pl Waioli St Waiopouli Pl Waiopua Pl Waiopua St Poipu Dr Poipu Pl Ohina Pl Puakea Pl Hahaione Pl Hahaione St Koamano St Upolo Pl Paauilo Pl Hapuna Pl Nonou St Hoa St Portlock Rd Keahole Pl Lunalilo Home Rd Ipuai St Polihale Pl Hilala St Hoahana Pl Kii Pl Kii St Olili Pl Kiipohaku Way Hakalau Pl Kikoo Pl Opihikao Way Opihikao Pl Opihikao Way Opoi St Maniniholo St Oilipuu Pl Halaula Pl Uwao St Kokee Pl Koki St KOKO ISLE Koko Isle Cir Koko Kai Pl Koko Uka Pl Kokomo Pl Lunalilo Home Rd Lunalilo Home Rd Lunalilo Home Rd Lunalilo Home Rd Pukoo Pl Pukoo St Niumalu Loop Kolokolo Pl Kolokolo St Pulehu St Makaa Pl MAKAA ST Makaaoa Pl Makaaoa St Makahuena Pl Makaweli Pl Makaweli St Apua Pl 250 Kawaihae St Lanipuao St Kaahue St Kaakaaniu St Kaalula Pl Ahukini Pl Ahukini St Nuulolo St MILOIKI ST Miloiki Pl Miloiki St Milolii Pl Milolii Pl Opihikao Way Kaeleku St Kahakuloa Pl Laielua Pl PEPEEKEO ST Pepeekeo Pl Kahauloa Pl Ainahou St Kahena Pl Kahena St Ainanani Pl Awaawaanoa Pl Kauhako Pl Kauhako St Ainapo Pl Ainapo St Kauhola Pl Awawamalu St Kauku Pl Kaumaka Pl Kaumakani Pl Kaumakani St Miloiki Street Kaumoku St Awini Pl Awini Way Kauna St Leilipoa Way Kaupaku Pl Kahului St Kahuwai Pl Aipo Pl Aipo St Mokuhano Pl Kaiama Pl Mokuhano St Mokunoio Pl Mokuone St Lawai St Kawaihae Pl Kawaihae Pl KAWAIHAE ST Kawaihoa Way Kawaiki Pl Hawaii Kai Dr Lunalilo Home Rd Kailiu Pl Naakea Pl Naakea St Keokea Pl Keokea Pl KUEKUE ST Kaiolohia Pl KAM HWY Kaiolohia Way Kaipuhaa Pl Luhi Pl Halekauwila St Olomana Ln Vineyard Blvd Cooke St LAUHALA ST Lauhala St Laukoa Pl Laola Pl Curtis St Kalamaku St Ahui St Lauoha Pl Queen Emma St Bishop St Queen St Kalili Pl Anianiku St Funchal St King St Nonanona Pl Boyd Ln Prospect St San Antonio Ave Namilimili St Namokueha St Kaloko Ln Queen St KEALANANE AVE KEKUILANI VLG Tantalus Dr Akaka Ln Lunalilo St Kamalalehua Pl Lunalilo St Kamamalu Ave KAMANI ST SCHOOL ST Queen Emma St South St Kuakini St Kukui St Azores St Kinalau Pl Aaliamanu Pl Kinau St MAGELLAN AVE Magellan Ave Bishop St Kuakini St Haalelea Pl CORAL ST Queen St Bishop Street Pakohana St Hookui St Lusitana St Kanealii Ave St Mauka South St Lusitana St LUSITANA ST MILLER ST Star Rd Richards St Prospect St Kaola Way Alakea St Pohukaina St Kapahu St Naone St Queen St KAPALOALA PL Kapaloala Pl Kapalu St Tantalus Dr Kapiolani Blvd Pali Hwy KAPULEI ST Pauoa Rd SCHOOL AUWAIOLIMU ST AUWAIOLIMU ST AUWAIOLIMU ST Pacific Heights Rd BOOTH RD MAKAAOU ST KAM HWY KAM HWY LELEULA PL WAIHOLE VALLEY RD WAIKUPANANHA ST COMM PARK KAM HWY KAMAAHA Waimalu Valley Rd Whiting St KAUMUALII HWY STREAM KIAHUNA PLTN RD KUHIO HWY King St KEAUNUI DR Spencer St LANILOA RD Ukuwai St Captain Cook Ave Beretania St ALAPAI ST Alapai St GOLF COURSE TEE PROPANE TANK SITE Kekuanoni Pl Kekuanoni St Richards St MOKUHANO  Hiolani Pl Wailani Rd Curtis St Haweo Pl Miller St Concordia St Waimanu St Ohai Ln Kapiolani Blvd Ohelo Ln Frear St Iolani Ave Manele St Koalele St Merchant St Pacific Hts Rd Haili Rd Iaukea St Bush Ln Bishop St Hiilani St Hiilawe St Harbor Court Queen St Madeira St Uhini Pl School St Barron Ln ALA MOANA BLVD Pacific Heights Pl Pacific Heights Rd Pacific Heights Rd Aaliamanu Pl Andrews Ln LADD LN Kolonahe Pl Vineyard St Cottage Walk Beretania St Huali St NAMAHOE Huanu St BEACH RESERVE HALEKAUWILA ST St Makai Laniloa Rd Laniloa Rd Emerson St Auwaiolimu St Ahekolo St Polulani Pl Queen St Freeland Pl Lae St Puna Ln Milo Ln Punchbowl St Kukui St Von Hamm Pl Booth Rd Puowaina Dr Puowaina Dr PUOWAINA ST Bethel St Kauhane St Kauila St Booth Rd Green St Liko Ln Kaululaau St MOREIRA ST Moreira St Leilehua Ln Nehe Ln Kaia St Kawaena Pl Pacific Heights Rd ANIANIKU ST AUWAIOLIMU ST AUWAIOLIMU DR PAUOA RD PAUOA STRM Naale St BISHOP KRAUSS ST Krauss St BARBERS POINT NAS FARRINGTON HWY Pele St Keopua St 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  l 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 Lauiki St Kalakaua Ave King St Contessa Wiliwili St Nahaku Pl Kalei Rd Kalele Rd Coyne St Nakookoo St King St Kalo Pl University Avenue Menehune Ln Bingham St Kamoku St Waialae Ave Maunawai Pl Nanea St Kuikahi St Kuilei St Hauoli St Lime St Kuilei St Lime St HAUSTEN ST Hausten St Alexander St Lime St Young St Elsie Ln Poha Ln Kapaakea Ln Kapiolani Blvd University Ave University Ave Manalo St Isenberg St Philip St UNIVERSITY PL Pawaa Ln DATE ST KAPIOLANI BLVD Kapiolani Blvd KUHIO HWY Algaroba St Punahou St WAIAKA PL WAIAKA RD Waialae Ave GRIFFITHS ST Laau St Waiola St KOALI RD McCully St Kalakaua Avenue Paani St Laau St Hihiwai St Coolidge St Mahiai Pl MAHIAI ST Griffiths St Hoawa St Punahou St Date St Church Ln Farrington St Varsity Cir Varsity Pl Kolo Pl Beretania St Kapiolani Blvd Makahiki Way Kamoku St Kapiolani Blvd Hausten St Fern St Artesian St Pumehana St Kaaha St Kaaloa St Malanai St Kalakaua Avenue Punahou St Citron St Date St Lokahi St Kemole Ln Kahoaloha Ln Kahuna Ln Kaialiu St Kahoaloha Ln Villa Ln Kaipuu St Date St Nohu St Hind Dr Laukahi Pl Laukahi St Kalaau Pl Kalanianaole Hwy Kalanianaole Hwy Kalanianoe Hwy Kalaniiki Pl Kalaniiki St Kalanikai Pl Kalaniuka Cir Kalaniuka Pl Hanahanai Pl Hoihi Pl Kalaniuka Way Kalaniwai Pl HOIMI PL Hoimi Pl Analii Pl Analii St Mona St Hokiokio Pl Pahukula Pl Pahupai Way Lelekepue Pl LELEPAU PL Meakanu Pl Waa St Ani St Naleialoha Pl Paiko Dr Nalulu Pl Keakealani St Honokoa Pl KALAAU PL Manukapu Pl Panalea Pl Puuikena Dr Puuikena Pl Maono Pl Omea Pl Akilolo St APO Dr Kimokeo St Kamole Pl Kamole St Hao St Piimauna Pl Piimauna St Kuaiwi Pl Kanau St Elelupe Road Kuaola St Nenue St Panio St Maono Loop Paniolo Pl Maono Pl Maunalua Ave Kuhilani St Palaau St Aulena Pl Kaniela Pl Anolani St Pila Pl Kuliouou Rd Kuliouou Pl Kuliouou Rd Kului Pl Kumakani Loop Kumakani Pl Palaole Pl Kunihi Pl Pia St Mamaki St Kuola Pl Alaeloa Pl Alaeloa St Kupaua Pl Alahee St Alakoa St Pilikai St Kalanianaole Hwy Pauloa Pl Moomuku Moomuku Pl Palipaa Pl Elelupe Pl Elelupe Rd Papahehi Pl Papahehi Pl Papai St Pauole Pl Halekoa Dr Summer St KALANIANAOLE HWY KALANIANAOLE HWY PIIMAUNA PL PUUUKENA DR Ulua St HIND DR Keikilani Cir POOLA Poola Pl POOLA ST Hind Dr HIND IUKA Hind Iuka Dr Hind Pl KAM HWY Manauwea St Kaeleloi Pl Limu Pl Alamuku St Kapiolani Blvd Kamehameha Hwy Moaniala Pl MOANIALA ST Wahinekoa Pl Anolani St Anolike Pl Anolike St Anonia St Alaweo Pl Alaweo St Waianiani Pl Waieli St Niuhi St Niuiki Cir Waiholo Pl Waiholo St Waihou St Waiiki Pl Waiiki St Ehupua Pl Ehupua St Hawaii Loa St WAIKUI Waikui Pl Waikui St Aliali Pl Hawane Pl May Way WAILUPE CIR Wailupe Cir Wailupe Pl Laamia Pl Laamia St Hao Pl HAO ST Kiai Pl Waipahee Pl Ohawai Pl Ohialoke St Puahia Pl Puamamane St Kuliouou Pl Aliikoa St Ekoa Pl Kirkwood Pl Hoaaina Pl Hoaaina St Lalea Pl Hikino St Ipukula St Uhi Pl Uhi Uhi St UHIUHI ST Hoakoa Pl Mahimahi Pl Mahimahi St Hoana Pl UAALAKAA ST WAKINE PL Wakine Pl Pia Pl Pia St Kihi St Kiholo St Hakanu St Hind Dr Opihi St Halakau Pl Halakau St Halaki St Oio Dr HALAPEPE ST Halapepe St Kokololio Pl Ulua St Puili Pl Liwai St Nuna Pl Nuna St Kalanianaole Hwy OKOA PL Okoa St Halehaka St Makaikoa St Halekamani St Lani St HALEKOA HALEKOA DR Halekoa Pl Haleloa Pl Haleloa Pl Halemaumau Pl Halemaumau St Makalena St Haleola Pl Haleola St Halepa Pl Makaniolu Pl Olapa St Summer St Aha Aina Pl Aha Maka Way Aha Niu Pl Ahaana Way Ahaku Pl Ahamele Pl Ahapii Pl Kaai St Aholehole St Ahuwale Pl Ahuwale St Dalene Way Hoehoe Pl Punahele Pl Kaekeeke Way Kaeleloi Pl Kaeleloi Pl Kahalakua St Ailuna St Hema Pl Aimoku St Ainakoa Ave Kahiau Loop Lihipali Pl Bay St Leighton St Kahinu St Kaulana Pl Kaulana Way Oeoe Way MALIA ST Malia St Kaupalena St AIPUNI PL Aipuni St Nehu Pl Kaialii Pl Ihiloa Loop Ihiloa Pl Kawaikui Pl Kawaikui St Lawelawe Pl Lawelawe St Kawekiu Pl IKENA CIR Ikena Pl Kaimoku Pl Kaimoku Way IKI PL Keoki Pl Kainoa Pl HALAKI ST Luinakoa St Kamole St

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