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Hawaii Equity Life Estate
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Hawaii recently became the most expensive state in the US to live. The cost of living is 140% above the national median. Housing prices in many areas, are higher than 95% of any other city. Yet, over 30% of Hawaii seniors are struggling to survive. Everything has gone up significantly in cost, that a fixed budget of twenty years ago is considered insufficient to survive today, for most of our seniors.
Nationwide, 90% of elders say they would like to stay in their home and age in place, instead of going in to a care home. Care homes are in such big demand in Hawaii, that the prices continue to go up. With Baby Boomers reaching the age of retirement, it is only going to get worse. It is projected that 30% of Hawaii's population will be over the age of 60 years by year 2030. That is an 11% increase from 2020.
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Hawaii is unique in so many ways; one of which is our isolation from any other land mass in the world. Hawaii's children often feel the need to move to another state for more income potential and lower cost of living. With a minimum 6 hour flight, they can't just come home for the weekend to visit. So, our elderly parents are often left to grow old alone in Hawaii.
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But, one thing that has benefited our Kupuna is the increase in the value/equity they have in their homes. Once considered a solid asset, the equity can now be made liquid, to offer a share of one's home equity in exchange for cash. This concept has gained a large interest from investors who not only want to help our Hawaii's Elderly, but can also see a benefit in making that passive investment in Hawaii real estate.
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By giving the Homeowner a 'Life Estate' on the property, a lot of the headaches of property investment are removed. The homeowner continues to pay the property tax and insurance, as well as maintenance of the property. There are no monthly management fees that they have to pay. The investment in the property sits and gains equity over time.
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While Equity Sharing has been around for centuries, the concept of sharing equity to investors is unique. Historically, Hawaii Home Values increase on a steady basis, averaging 5-7% year over year. Equity Sharing is merely an option to allow our elderly to live out their lives in the place they desire most; their Hawaii home.
Why Hawaii Equity Life Estate?
For Homeowners,
Hawaii Equity Life Estate provides a way for you (our Kupuna) to access the equity you already have in your property. Your home is where your family grew, where memories are made, and for most of us, where the majority of your wealth is stored. For far too long, accessing that wealth meant accruing debt through a equity loan, a refinance, reverse mortgage, or in many cases, selling the home and relocating. All of these puts unnecessary stress on your shoulders. With H.E.L.E. your home equity can be made liquid, to sell and spend the way you want.
For Investors,
Hawaii Equity Life Estate is an opportunity to invest in a lucrative asset. Real estate is an anchor to the economy and truly essential to everyday life, but it comes with a lot of obligations, like tenant and property management issues, property taxes and simple maintenance. Efficient access to the equity in owner-occupied real estate has not been available at scale – until now. With HELE, institutional investors can curate a diverse real estate portfolio, at a discounted price, that leverages the largest asset class in the United States, Home Ownership, without the headaches of ownership. The asset stays stable through down markets as homeowners stay put in times of uncertainty. When the property sells, investor gets repaid with equity.
For Society,
Hawaii Equity Life Estate is about saving lives. It is a means of helping people thrive, through good times and bad. A culture in which helping those struggling to survive, without creating more debt or having to move out of their home. By creating an equity option, we aim to reduce general risk for investors, create more diverse options, and lower consumer debt. The result? A landscape in which individuals, families, and retirees can ensure their quality of life and fund their futures, by giving up a percentage of their current and future equity, without taking on more debt.
Services
Experience; Professional; Real Estate a Whole New Way
What could you use the money for?
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Help you to live comfortably with less stress.
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Make age assisting improvements to your home.
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Add on to your home to make additional living areas.
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Bring your family member home to help take care of you.
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Pay for in home care services.
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Pay for medical bills.
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Help a child pay for college.
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Payoff your mortgage and live debt free.
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Take that trip you have always wanted to take.
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Fund that Investment that will help you make dividends.
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It's your money from your equity to do what you want.