RARE OPPORTUNITY TO BUILD YOUR DREAM HOUSE -- APPROVED PLANS READY TO GO -- FABULOUS 3,200 sq ft HOME with O'HANA and POOL & SPA - this wonderful Central Kihei location is convenient to shopping, dining, and schools - Just minutes from the beach ! WATER METER and ELECTRICAL are INSTALLED at site. Initial grading completed. Plans were approved and stamped - Just need BUILDING PERMIT and go ! VALUE is in APPROVED PLANS on great FLAT lot. See Documents attached for details.

FABULOUS RENTAL - Lahaina Shores Beach Resort is the most beautiful oceanfront property in charming, historic Lahaina Town, on Maui's sun-drenched West Side. This colonial-style condominium complex is situated on the South Lahaina Beach, with stunning views of the famous Lahaina Rhodes channel, the breathtaking isle of Lanai, and Lahaina's gorgeous yacht harbor. Whales frolic in the warm channel waters during the Winter months, and fabulous cruise ships from around the world anchor just off shore during the Spring, Summer, and Fall.

The internationally renowned 505 Front Street complex is next-door, providing world class dining and unique shopping opportunities. This fabulous location affords walk-to-town convenience, just minutes away, offering excellent additional dining and exciting shopping. There are museums, boating, fishing, movies, and year around fun for the entire family.

Unit 216 is a delightful mountain view studio, sumptuously furnished with island style flair !  It has been nicely upgraded and has beautiful views, above the porte cochere, of the dazzling, often rainbow bedecked West Maui Mountains ! This gracious condo has a sumptuous queen size bed, and a sofa sleeper for additional guests.  It is fully furnished and equipped for vacation rentals.  Beach access is just a few steps from the Lahaina Shores lobby to the water - or jump into the refreshing pool, then into the Jacuzzi spa. After a wonderful day of sun and sand, relax on the manicured lawn, and finish the day with a BBQ on the gas grills under the stars !

INCREDIBLE VALUE - OCEAN VIEW IMPROVED - FABULOUS LOCATION Across the Street from BEAUTIFUL CHARLIE YOUNG BEACH - GREAT INVESTMENT - GREAT RENTAL HISTORY - This nicely upgraded condo has all the amenities for a wonderful vacation, or a long, comfortable stay - The condo has a spacious master bedroom and bath on the first floor, with a loft-style second bedroom and bath upstairs - Sold completely furnished and equipped for Vacation Rental - Enjoy Maui Vista%27s lushly landscaped grounds, with 3 swimming pools, 6 tennis courts, and several BBQ areas

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

If you have not owned a home in three years, you qualify as a first time home buyer. If you buy a home after April 9, 2008 and before July 1, 2009, you qualify for this credit. Call your friends who just bought a home since April 9th and tell them they may take $7,500 off their tax bill if they qualify. It has to be your principal residence, so rentals do not count.

The tax credit is 10% of the cost of the home, up to a maximum of $7,500. This is not an additional deduction that lowers the amount of income to be taxed, it is a tax credit. In other words, you take $7,500 off your tax bill. But there is a catch; the credit you receive now is actually an interest-free loan that must be repaid.

The loan has no interest, and will be paid back over 15 years. You get the credit on your 2008 taxes, but you start paying it back on your 2010 taxes that are due in 2011, so you get at least two years without a payment. You pay back 6.67% of the credit each year, so for a $7,500 credit the payment is $502.50 per year. If you stay put for 15 years, you pay it off with no interest.

What happens if you sell the house? You pay the balance back at the closing. So, you get $7,500 now, and pay the rest of it back if you make money on the sale of your house. What happens if you do not make enough money when you sell your house? They forgive the rest of the debt.

Other restrictions stipulate that you have to buy your first house in three years before July 1, 2009, not have super high income, not use bond financing and buy anywhere in the US.

If you'd like to learn more about this program, please call me!