Seller Financing in Hawaii: How It Works, Legal Requirements, and Tax Implications (2026)

Seller financing in Hawai’i is a real estate transaction where the property seller acts as the lender, allowing the buyer to make payments directly to them instead of obtaining a traditional mortgage. This arrangement can benefit both parties — sellers earn interest income and may defer capital gains taxes under IRC Section 453, while buyers who can’t qualify for conventional financing gain a path to homeownership in one of America’s most expensive markets. However, seller-financed deals in Hawai’i carry significant legal requirements under the Dodd-Frank Act, HARPTA (HRS 235-68), and Hawai’i seller disclosure laws (HRS 508D) that both parties must understand before entering into an agreement.

What Is Seller Financing and How Does It Work?

In a seller-financed transaction, the property seller provides the financing to the buyer rather than requiring the buyer to obtain a bank mortgage. The seller and buyer negotiate loan terms — including interest rate, repayment period, down payment, and balloon payment provisions — and formalize them in a promissory note and either a mortgage or land contract.

The buyer takes possession of the property and makes monthly payments to the seller, who receives principal plus interest over the life of the loan. If the buyer defaults, the seller can foreclose or reclaim the property, depending on the financing structure used.

According to the National Association of Realtors (NAR), seller-financed transactions account for approximately 5-10% of all residential real estate sales nationally. In Hawai’i, where median home prices exceed $900,000 (Redfin, Q1 2026) and many buyers face difficulty qualifying for conventional mortgages at these price points, seller financing can be an attractive option — when structured properly.

Types of Seller Financing Structures in Hawai’i

There are several legal structures for seller-financed transactions in Hawai’i. Each carries different risks and protections for both parties:

1. Seller-Carry Mortgage (Most Common)

The seller conveys title to the buyer at closing, and the buyer gives the seller a promissory note secured by a mortgage on the property. This is the most straightforward structure and the one most closely resembling a traditional bank transaction.

How it works: The buyer receives the deed and becomes the legal owner. The seller holds a mortgage lien on the property. If the buyer defaults, the seller must foreclose through Hawai’i’s judicial foreclosure process under HRS Chapter 667, which can take 12-36+ months.

Best for: Sellers who want maximum legal protection and buyers who want clear title from day one.

2. Land Contract (Contract for Deed / Agreement of Sale)

The seller retains legal title to the property while the buyer makes payments. Title transfers to the buyer only after all payments are made or a specified number of payments are completed. In Hawai’i, this structure was historically common and is sometimes referred to as an “Agreement of Sale.”

How it works: The buyer takes possession and makes payments, but the seller keeps the deed. If the buyer defaults, the seller may be able to reclaim the property more quickly than through judicial foreclosure — though Hawai’i courts increasingly require full foreclosure proceedings even for land contracts.

Risk for buyers: If the seller has an existing mortgage, the lender could foreclose on the seller’s loan (triggered by default or a due-on-sale clause), and the buyer would lose the property and all payments made.

3. Wraparound Mortgage (All-Inclusive Trust Deed)

The seller creates a new, larger mortgage that “wraps around” their existing mortgage. The buyer makes payments to the seller at one interest rate, and the seller continues paying the underlying mortgage at a lower rate, keeping the difference as profit.

Example: The seller has an existing $400,000 mortgage at 4%. They sell the property for $700,000, with the buyer making payments on the full $700,000 at 7%. The seller pockets the 3% spread on the underlying $400,000 balance while also earning 7% on the $300,000 of equity.

Critical risk: Wraparound mortgages are highly vulnerable to due-on-sale clause enforcement (discussed below). If the original lender discovers the sale, they can demand immediate full repayment.

4. Lease-Option (Rent-to-Own)

The buyer leases the property with an option to purchase it at a predetermined price within a set timeframe. A portion of the rent payments may be credited toward the purchase price.

In Hawai’i: Lease-options are governed by both the Residential Landlord-Tenant Code (HRS 521) and real estate transaction laws. The tenant-buyer does not have ownership rights until they exercise the option, meaning they have fewer protections than in other seller financing structures.

Best for: Buyers who need time to improve their credit or save a larger down payment before committing to a purchase.

Structure	Title Transfer	Default Remedy	Due-on-Sale Risk	Best For
Seller-Carry Mortgage	At closing	Judicial foreclosure (HRS 667)	Low (seller’s mortgage already paid off)	Most situations
Land Contract	After all payments made	Forfeiture or foreclosure	High (if seller has existing mortgage)	Sellers who own free and clear
Wraparound Mortgage	At closing	Judicial foreclosure	Very high	Properties with low existing mortgage balance
Lease-Option	When option is exercised	Eviction (tenant rights apply)	Moderate	Buyers building credit or saving down payment

Hawai’i Legal Requirements for Seller-Financed Transactions

Seller financing is legal in Hawai’i, but both parties must comply with state and federal regulations. Failing to follow these requirements can void the transaction, create legal liability, or result in significant financial penalties.

Dodd-Frank Act: The 3-Property Rule

The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 significantly impacted seller financing nationwide. Under the Ability-to-Repay (ATR) rule enforced by the Consumer Financial Protection Bureau (CFPB), anyone who originates a residential mortgage loan must verify the borrower’s ability to repay.

The key exemption for sellers: A property seller is exempt from the ATR rule and does not need a Mortgage Loan Originator (MLO) license if ALL of the following conditions are met:

• The seller is a natural person, estate, or trust (not a corporation, LLC, or partnership)
• The seller provides financing for no more than 3 properties in any 12-month period
• The seller owns the property and it serves as security for the financing
• The loan has a fixed rate or is adjustable after 5+ years
• The loan does not include negative amortization or balloon payments (with some exceptions for sellers of their own residence)

Exception for seller’s own residence: If the seller is financing the sale of their own primary residence, they may include a balloon payment provision. This exception recognizes that most individual home sellers are not in the business of lending.

Consequences of violating Dodd-Frank: A seller who finances more than 3 properties per year without an MLO license is acting as an unlicensed mortgage originator. The buyer can rescind the transaction, and the seller faces potential CFPB enforcement actions, fines, and civil liability.

Hawai’i Seller Disclosure Requirements (HRS 508D)

Under HRS Chapter 508D, all sellers of residential real property in Hawai’i must provide a written disclosure statement to buyers. This requirement applies to all residential sales, including seller-financed transactions.

The disclosure must cover:

• Known material defects in the property
• Environmental hazards (lead paint, asbestos, mold)
• Flood zone or tsunami evacuation zone status
• Pest and termite damage history
• Any pending legal actions affecting the property
• Existing liens, encumbrances, or boundary disputes
• HOA or condominium association obligations (if applicable, per HRS 514B)

Seller financing addition: When the seller is also acting as the lender, the disclosure should also address any existing mortgages on the property (particularly relevant for wraparound structures), insurance requirements the buyer must maintain, and the terms under which the seller can accelerate the loan.

HARPTA Withholding (HRS 235-68) in Seller-Financed Deals

Yes, HARPTA applies to seller-financed transactions involving non-resident sellers. Under HRS 235-68, when a non-resident of Hawai’i sells real property in the state, the buyer (or escrow company) must withhold 7.25% of the gross sales price and remit it to the Hawai’i Department of Taxation.

In a seller-financed deal, this creates a practical challenge: the buyer must withhold 7.25% of the full sales price and pay it to the state at closing, even though the buyer is making installment payments to the seller over time.

Example: If a non-resident seller finances a $700,000 sale, the buyer must withhold $50,750 (7.25% of $700,000) and remit it to the Hawai’i Department of Taxation at closing. This is a significant upfront cost that must be factored into the deal structure.

FIRPTA overlap: Non-resident sellers must also comply with the federal Foreign Investment in Real Property Tax Act (FIRPTA), which requires withholding of 15% of the gross sales price for foreign sellers. Between HARPTA and FIRPTA, a foreign non-resident seller could face combined withholding of 22.25% at closing.

Exemptions: HARPTA withholding is not required if (1) the seller is a Hawai’i resident, (2) the property sells for less than $300,000 and will be the buyer’s principal residence, or (3) the seller obtains a withholding certificate from the Hawai’i Department of Taxation showing a reduced or eliminated withholding amount.

Hawai’i Usury Laws and Maximum Interest Rates

Hawai’i’s usury laws are relatively permissive for real estate transactions. Under HRS Chapter 478, the general usury limit is 12% per year for most loans. However, there are important exceptions:

• First-lien residential mortgages are generally exempt from the 12% cap under federal preemption (the Alternative Mortgage Transaction Parity Act and Depository Institutions Deregulation and Monetary Control Act of 1980)
• Second-lien and junior mortgages may be subject to the 12% cap depending on the lender type
• Regardless of legal limits, courts can find an interest rate unconscionable and void or modify the contract

Practical guidance: While there may be no hard cap on first-lien seller-financed mortgages, sellers should set rates that are commercially reasonable — typically 2-4 percentage points above prevailing conventional mortgage rates. As of early 2026, with conventional 30-year fixed rates near 6.5-7%, a seller-financed rate of 8-10% would be considered reasonable. Rates significantly above this invite legal challenge and may indicate predatory intent.

The Due-on-Sale Clause: A Critical Issue

Most conventional mortgages include a due-on-sale clause, which gives the lender the right to demand full repayment of the loan if the property is sold or transferred. This clause is enforceable under the federal Garn-St. Germain Depository Institutions Act of 1982.

Why this matters for seller financing: If a seller still has an existing mortgage and sells the property using any seller financing structure, the existing lender may invoke the due-on-sale clause and demand immediate repayment of the remaining loan balance. If the seller cannot pay, the lender can foreclose — which means the buyer loses the property.

Key exceptions where the due-on-sale clause cannot be enforced:

• Transfers to a spouse or children
• Transfers resulting from death (inheritance)
• Transfers to a living trust where the borrower remains a beneficiary
• Lease-option arrangements (arguable — some lenders view these as triggering the clause)

Bottom line: Seller financing works best when the seller owns the property free and clear with no existing mortgage. If there is an existing mortgage, both parties must understand and accept the due-on-sale risk, and the seller should consult with a Hawai’i real estate attorney before proceeding.

Tax Implications of Seller Financing for Sellers

One of the primary financial advantages of seller financing is the ability to use the installment sale method under IRC Section 453 to spread capital gains tax over the life of the loan.

How the Installment Sale Method Works

Instead of paying all capital gains tax in the year of sale (as you would in a traditional cash sale), the installment method allows you to recognize gain proportionally as you receive each payment. Each payment you receive consists of three components:

1. Return of basis — the portion representing your original investment (not taxed)
2. Capital gain — the portion representing profit on the sale (taxed at capital gains rates: 0%, 15%, or 20% depending on income)
3. Interest income — taxed as ordinary income at your marginal tax rate

Example: You purchased a property on O’ahu for $400,000 and sell it via seller financing for $800,000 with 20% down ($160,000). Your gain is $400,000 (50% of the sale price). Under the installment method:

• 50% of each payment (including the down payment) is treated as capital gain
• Of the $160,000 down payment, $80,000 is taxable gain in year one
• The remaining gain is recognized proportionally over the remaining payment years
• Interest received is taxed as ordinary income each year

Tax benefit: If you sold for cash and received all $800,000 in one year, you’d owe federal capital gains tax of up to $80,000 (20% on $400,000 gain) plus the 3.8% Net Investment Income Tax (NIIT) — totaling up to $95,200 — all due in one tax year. With seller financing spread over 15 years, you pay the same total tax but spread across multiple years, potentially keeping you in lower tax brackets and deferring the bulk of the tax obligation.

Hawai’i state tax: Hawai’i taxes capital gains as ordinary income at rates up to 11% — one of the highest state income tax rates in the nation. The installment method also applies to Hawai’i state taxes, making the deferral benefit even more significant for Hawai’i residents.

Depreciation Recapture Warning

If the property was used as a rental and you claimed depreciation deductions, IRC Section 1250 requires depreciation recapture, which is taxed at a maximum federal rate of 25%. Depreciation recapture cannot be deferred under the installment method — it must be recognized in the year of sale regardless of how much cash you receive. This can create a significant tax bill in year one even with seller financing.

Risks and Protections for Sellers

Seller financing shifts certain banking risks to the seller. Understanding these risks — and how to mitigate them — is essential before offering financing to a buyer.

Risks for Sellers

• Buyer default: If the buyer stops paying, the seller must foreclose through Hawai’i’s judicial process (HRS 667), which takes 12-36+ months and costs $15,000-$50,000+ in legal fees
• Property damage: The buyer may not maintain the property, and tropical conditions (termites, salt air, humidity) can cause rapid deterioration
• Insurance lapse: If the buyer fails to maintain hazard insurance, the seller’s collateral is unprotected
• Balloon payment default: If the loan includes a balloon payment (e.g., full balance due after 5 years), the buyer may be unable to refinance and pay the balloon, forcing the seller to foreclose or renegotiate
• Illiquidity: The seller’s equity is tied up in a promissory note — they cannot easily access the cash

Protections for Sellers

• Require a substantial down payment: A minimum 20-30% down payment gives the buyer significant skin in the game and reduces default risk
• Run a credit check and verify income: Even though Dodd-Frank doesn’t require it for exempt sellers, verifying the buyer’s financial capacity is prudent
• Include an acceleration clause: This allows the seller to demand full payment if the buyer defaults on payments, taxes, or insurance
• Require hazard insurance with seller named as loss payee: This ensures insurance proceeds go toward protecting the seller’s interest
• Record the mortgage: Always record the mortgage or land contract with the Hawai’i Bureau of Conveyances to establish your lien position
• Escrow property taxes and insurance: Collect monthly escrow for taxes and insurance to ensure they’re paid
• Use a loan servicing company: A third-party servicer collects payments, tracks balances, and provides tax reporting (1098/1099 forms), reducing administrative burden and disputes

Risks and Protections for Buyers

Risks for Buyers

• Higher interest rates: Seller-financed rates are typically 2-4% above conventional rates, meaning higher monthly payments and more total interest paid
• Due-on-sale clause: If the seller has an existing mortgage, the lender could demand full repayment, potentially causing the buyer to lose the property
• No title (in land contracts): Under a land contract, the buyer has no legal title until the contract is fulfilled — the seller could theoretically encumber or even try to sell the property to a third party
• Balloon payment risk: If the loan requires a lump-sum payment after a set number of years, the buyer must refinance, find alternative financing, or risk losing the property
• Seller’s financial problems: If the seller has creditors, liens, or faces bankruptcy, the buyer’s interest could be jeopardized

Protections for Buyers

• Obtain title insurance: This protects against unknown liens, encumbrances, or title defects
• Record the transaction: Ensure the deed (in mortgage structures) or land contract is recorded with the Hawai’i Bureau of Conveyances
• Verify there’s no existing mortgage: Request a title search to confirm the seller owns the property free and clear or that any existing lender has consented to the seller-financed arrangement
• Include a late payment grace period: Standard is 15 days before late fees apply
• Negotiate a prepayment clause: Ensure the right to pay off the loan early without penalty, which lets you refinance when you qualify for a conventional mortgage
• Get a property inspection: Even though the seller isn’t a bank requiring an appraisal, a professional inspection protects the buyer from undisclosed defects
• Hire a Hawai’i real estate attorney: Given the complexity of seller financing, both parties should have independent legal counsel

How to Structure a Seller-Financed Deal in Hawai’i

A well-structured seller-financed deal protects both parties and minimizes legal exposure. Here are the typical terms and considerations:

Down Payment

Typical range: 10-30% of the purchase price. A higher down payment reduces the seller’s risk and demonstrates the buyer’s commitment. In Hawai’i’s high-value market, a 20% down payment on a $700,000 property is $140,000 — a significant commitment that reduces default likelihood.

Interest Rate

Typical range: 7-10% (as of 2026), usually 2-4 points above prevailing conventional mortgage rates. The rate compensates the seller for the risk of acting as a lender without the infrastructure and protections banks have.

Loan Term and Amortization

Most seller-financed deals use a shorter term than conventional mortgages — typically 5-15 years rather than 30. Common structures include:

• Fully amortizing 15-year loan: Higher monthly payments, but no balloon payment risk
• 30-year amortization with 5-7 year balloon: Lower monthly payments, but the full remaining balance comes due at the end of the balloon period (note: Dodd-Frank restricts balloon payments for non-owner-occupied seller financing)
• Interest-only with balloon: Lowest monthly payments, but highest risk for both parties

Essential Documents

A proper seller-financed transaction in Hawai’i requires:

1. Purchase and Sale Agreement — outlining the terms of the transaction
2. Promissory Note — the buyer’s promise to repay, specifying rate, term, payment schedule, default provisions
3. Mortgage or Land Contract — the security instrument recorded with the Bureau of Conveyances
4. Seller Disclosure Statement — required under HRS 508D
5. Title Insurance Policy — protecting both parties against title defects
6. Escrow Instructions — if using an escrow company for closing

When Seller Financing Makes Sense — and When It Doesn’t

Seller Financing Makes Sense When:

• The seller owns the property free and clear (no existing mortgage)
• The seller wants to defer capital gains taxes using the installment method
• The seller wants ongoing monthly income (retirement income, for example)
• The property has been on the market for an extended time and traditional buyers aren’t biting
• The buyer has strong income but doesn’t qualify for conventional financing (self-employed, recent credit event, foreign national)
• The seller is willing to accept the risks of acting as a lender

Seller Financing May NOT Make Sense When:

• The seller needs all their cash immediately (for a new purchase, debt payoff, or relocation)
• The seller still has an existing mortgage with a due-on-sale clause
• The seller doesn’t want the hassle of managing a loan (collecting payments, dealing with potential default)
• The seller has already financed 3+ properties in the past 12 months (Dodd-Frank limit)
• The property is in poor condition and the seller just wants to move on
• The buyer’s financial profile is too risky

Seller Financing vs. Cash Sale vs. Traditional Sale

Here’s how seller financing compares to the two most common alternatives for Hawai’i home sellers:

Factor	Seller Financing	Cash Sale to Investor	Traditional Realtor Listing
Timeline to close	30-60 days (attorney preparation)	7-14 days	60-120+ days
Cash received at closing	Down payment only (10-30%)	Full sale price	Full sale price minus commissions
Total amount received	Sale price + interest income	Sale price only	Sale price minus 5-6% commission
Capital gains tax timing	Spread over years (IRC 453)	All due in year of sale	All due in year of sale
Closing costs to seller	Attorney fees, title insurance ($3,000-$8,000)	$0 (buyer pays all)	5-8% of sale price
Ongoing obligations	Monitor payments, manage loan, handle default	None	None
Risk of buyer default	Yes — foreclosure takes 12-36+ months	None — transaction is complete	Low (buyer’s lender handles risk)
Repairs needed	May be needed to attract buyers	No — sold as-is	Usually required
Best for	Sellers wanting income stream + tax deferral	Sellers needing fast cash, any condition	Sellers with time, move-in ready homes

When a Cash Sale Is the Better Choice

Seller financing can be a powerful tool, but it’s not the right fit for every situation. Many Hawai’i homeowners find that a straightforward cash sale is simpler, faster, and less risky — especially when:

• You need the full sale proceeds immediately (for a new home purchase, debt consolidation, or relocation)
• You’re facing foreclosure or financial hardship and need to sell quickly
• Your property needs significant repairs and you don’t want to invest more money
• You don’t want the ongoing responsibility of managing a loan and monitoring payments
• You’d rather have certainty of a closed deal than the risk of buyer default years down the line

Hawaii Property Buyers provides fair cash offers on homes across all Hawaiian islands — O’ahu, Maui, the Big Island, and Kaua’i. We buy properties in any condition, pay all closing costs, and can close in as little as 7-14 days. No realtor commissions, no repair requirements, and no ongoing obligations. Learn more about how a cash buyer compares to listing with a realtor.

Frequently Asked Questions About Seller Financing in Hawai’i

What is seller financing in Hawai’i?

Seller financing is a real estate transaction where the property seller provides the financing to the buyer instead of a bank. The buyer makes monthly payments directly to the seller, who earns interest income on the loan. The arrangement is documented with a promissory note and secured by a mortgage or land contract recorded with the Hawai’i Bureau of Conveyances.

Is seller financing legal in Hawai’i?

Yes, seller financing is legal in Hawai’i. However, both parties must comply with federal regulations (particularly the Dodd-Frank Act’s 3-property limit for unlicensed sellers), Hawai’i seller disclosure requirements under HRS 508D, and HARPTA withholding requirements under HRS 235-68 for non-resident sellers. Both parties should work with a Hawai’i real estate attorney to ensure compliance.

How many properties can I seller-finance per year without a license?

Under the Dodd-Frank Act, a natural person (not a business entity) can provide seller financing for up to 3 residential properties in any 12-month period without a Mortgage Loan Originator license. If you exceed this limit, you must comply with full ATR/QM requirements and may need to become licensed, which involves education, testing, and bonding requirements.

Does HARPTA apply to seller-financed sales?

Yes. HARPTA (HRS 235-68) requires withholding of 7.25% of the gross sales price when a non-resident of Hawai’i sells real property in the state. This withholding applies regardless of how the sale is structured — including seller-financed transactions. The buyer must withhold and remit the amount to the Hawai’i Department of Taxation at closing, even in an installment sale.

What interest rate can I charge on a seller-financed deal in Hawai’i?

Hawai’i’s general usury limit under HRS 478 is 12% per year, but first-lien residential mortgages are generally exempt from this cap under federal preemption. However, the interest rate must be commercially reasonable — typically 2-4 percentage points above prevailing conventional mortgage rates. As of 2026, rates of 8-10% are considered reasonable for seller-financed transactions. Charging significantly above-market rates could be challenged as unconscionable.

What happens if the buyer defaults on a seller-financed loan in Hawai’i?

If the buyer defaults, the seller must typically foreclose through Hawai’i’s judicial foreclosure process under HRS Chapter 667. This process requires filing a lawsuit, obtaining a court order, and conducting a public sale. It typically takes 12-36 months and costs $15,000-$50,000+ in legal fees. For land contracts, the process may be faster in some cases, but Hawai’i courts increasingly require full foreclosure proceedings.

Can I offer seller financing if I still have a mortgage on the property?

You can, but it’s risky. Most conventional mortgages include a due-on-sale clause that allows the lender to demand full repayment when the property is sold. If the lender discovers the sale and invokes this clause, and you cannot pay the remaining balance, the lender can foreclose — which jeopardizes both your position and the buyer’s. Seller financing works best when you own the property free and clear.

What are the tax benefits of seller financing for sellers?

The primary tax benefit is the ability to use the installment sale method under IRC Section 453 to spread capital gains recognition over multiple years rather than paying all capital gains tax in one year. This is especially valuable in Hawai’i, which taxes capital gains as ordinary income at rates up to 11%. Sellers also earn interest income, though this is taxed as ordinary income. Note that depreciation recapture (for former rental properties) cannot be deferred and is due in the year of sale.

Do I need a real estate attorney for seller financing in Hawai’i?

While not legally required, a real estate attorney is strongly recommended for both parties. Seller financing involves complex legal documents (promissory notes, mortgages or land contracts), compliance with federal lending laws (Dodd-Frank), state disclosure requirements (HRS 508D), tax implications (IRC 453, HARPTA), and potential due-on-sale clause issues. The cost of an attorney ($2,000-$5,000) is minimal compared to the potential cost of a poorly structured deal.

How does seller financing compare to selling to a cash buyer like Hawaii Property Buyers?

Seller financing gives you a higher total return (sale price plus interest income) and tax deferral benefits, but requires you to act as a lender for years and accept the risk of buyer default. A cash sale to Hawaii Property Buyers gives you the full sale price immediately, with no ongoing obligations, no repair requirements, and closing in as little as 7-14 days. The right choice depends on whether you prioritize maximum total return or simplicity and speed. Call (808) 940-3430 to discuss your options.

What disclosures are required in a seller-financed sale in Hawai’i?

Under HRS 508D, sellers must provide a written disclosure statement covering all known material defects, environmental hazards, flood zone status, pest damage history, pending legal actions, existing liens, and HOA obligations. In a seller-financed sale, the disclosure should also address any existing mortgages on the property, insurance requirements, and loan acceleration terms. Failure to provide required disclosures can expose the seller to legal liability.

Can a foreign national buy a property through seller financing in Hawai’i?

Yes, but additional tax withholding applies. Under FIRPTA, the buyer must withhold 15% of the gross sales price when purchasing from a foreign seller. Combined with HARPTA’s 7.25% withholding, a foreign non-resident seller could face total withholding of 22.25% at closing. Foreign buyers should also be aware of their own country’s tax reporting requirements and consult with an international tax professional.

Written by Robert Koncal, owner of Hawaii Property Buyers LLC. Robert has been buying properties across Hawai’i since 2021, helping homeowners navigate complex real estate situations including seller financing, foreclosure, probate, and divorce sales. Based in Honolulu, our team serves homeowners across all Hawaiian islands — O’ahu, Maui, the Big Island, and Kaua’i. If you’re considering seller financing or want to explore a simpler cash sale, call (808) 940-3430 for a free, no-obligation consultation.

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