Maui Real Estate Information Fine Island Properties, Your Guide to Maui Real Estate
Gina Duncan, R(S) ABR, AHWD, e-Pro, SFR Fine Island Properties

Online Reports


To enhance your buying and selling experience, it’s our job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer or seller be aware of all aspects of the real estate market before making a major decision. Whether it be through newsletters, checklists or news articles, we are here to make this process stress-free and rewarding. Please access our free reports today!



Canadian Buyers Information

Helpful tips for our Canadian clients. This report will give you information and differences about buying a home in Hawaii.

Candian Maui Homebuyers Guide to US Mortgages

This report will guide our Canadian clients through some of the ins/outs of a mortgage in the US.

A Guide to Hawaii Leasehold Property

This guide will inform you about a particular type of property we have in Hawaii called "Leasehold". Many leasehold properties are found especially in oceanfront condos.

FHA Mortgage

Is a First Time Homebuyer Mortgage right for you? Do you have to have not owned a home or can you qualify for FHA for a new primary while making your existing home your second home? An FHA mortgage may be the answer to this and a low down payment amount.

What does Deminimus on my Survey Mean?

When buying Maui Real Estate certain encroachments on a survey are deemed "acceptable" to still insure the title for the property. Read about deminimus conditions in this informative report.

B&B Ordinance for Maui County

Thinking of owning a B&B on Maui. Read about the regulations that were recently enacted for B&B ownership. Remember when searching for a B&B that the existing license DOES NOT transfer to the new owner.

Handbook for Landlords in Hawaii

This handbook is very helpful if you are thinking about purchasing a Rental property on Maui. The landlord tenant code information and a good property manager are you best tools for owning investment property here on Maui.

April 2012 Maui Real Estate Statistics

Maui Real Estate stats can vary due to volume of sales, new home projects and many other factors. Please feel free to contact us to discuss any questions you may have regarding the statistics published by the Realtors Assoc of Maui. Buyers; now is the time to take advantage of low interest rates and low pricing with a variety of homes to choose from.


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Landlord/Tenant Information for Maui


Landlord-Tenant Information

Many of the Buyers on Maui are Investor Buyers.  These Investor Buyers usually rent out their property either long term or short term (less than 30 days) once they purchase them. 

Did you ever wonder how many days a landlord has to return a security deposit if property is vacated with no problems?  When selling a rental property, how much notice must be given to existing tenants for showings and to vacate the property? Did you ever wonder what to do if your tenant doesn't pay the rent and refuses to vacate the property?  Did you ever wonder what to do if your landlord doesn't make a needed repair? Many questions like these and more are answered in the Landlord-Tenant Code Handbook. 

In Hawaii there are Rules (Landlord-Tenant Code) that govern the many aspects of owners renting property.  These codes also can inform you of your rights as a Tenant.

To view the Landlord-Tenant Code and the Handbook login to : http://www.hawaii.gov/dcca/areas/ocp/landlord_tenant/  From there you may read the handbook, code, or call the Landlord-Tenant line.

You may also purchase a copy of the Landlord-Tenant Code Handbook by sending a check made out to the DCCA in the amount of $2.00 and indicate on your check "Landlord-Tenant Code Handbook"                                                                             

Mail to: DCCA attn: cashier, PO Box 541 Honolulu, HI 96809     **Remember to include your return address.

We want all of our Clients to be fully informed prior purchasing a rental property.   We also want to protect our "Future Buyers" by making them aware of the Landlord-Tenant Code information. 

 


Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.  Our best advice is for clients to contact a Hawaii Mortgage Loan Officer who will guide you through the Hawaii loan process prior to searching for homes. 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


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