makana
@hemakaainana.bsky.social
Studied thermofluids now do data engineering. Housing advocate, first chair in the peanut gallery. Aloha, akua, ea!!
The issue with rail was and is that we were lied to cause politicians don’t face consequences. When we talk about extending rail (which i want east west & north) that needs to be front of mind. Our leaders lie. I’m looking at HART’s latest shenannigans and thinking they’re ready to do it again. 2/2
November 11, 2025 at 8:31 AM
The issue with rail was and is that we were lied to cause politicians don’t face consequences. When we talk about extending rail (which i want east west & north) that needs to be front of mind. Our leaders lie. I’m looking at HART’s latest shenannigans and thinking they’re ready to do it again. 2/2
Wait that the house on Woodlawn and E Manoa? If so i had no idea that was where it happened!
November 10, 2025 at 7:19 PM
Wait that the house on Woodlawn and E Manoa? If so i had no idea that was where it happened!
this is like letting folks put 3% down vs 20%. it just keeps home prices inflated.
November 8, 2025 at 11:07 PM
this is like letting folks put 3% down vs 20%. it just keeps home prices inflated.
So that’s why 7-11 is doing Korean month specials.
November 8, 2025 at 1:53 AM
So that’s why 7-11 is doing Korean month specials.
Our own parish doesn’t have a food bank, to my great consternation, but we do food drives for the neighboring parish that does & are referring folks to them if they call. Was also glad that pastor addressed it at start of mass with a prayer and at end of mass by telling us where to donate.
November 7, 2025 at 8:42 PM
Our own parish doesn’t have a food bank, to my great consternation, but we do food drives for the neighboring parish that does & are referring folks to them if they call. Was also glad that pastor addressed it at start of mass with a prayer and at end of mass by telling us where to donate.
Yah that’s fair. On the other hand if you follow the rule that 30% of gross goes to housing, it’s gonna be damn difficult to save any extra for housing. Of course a mortgage locks that in so the ratio does fall over time freeing up some potential savings so maybe I should add that to the model.
November 6, 2025 at 9:08 PM
Yah that’s fair. On the other hand if you follow the rule that 30% of gross goes to housing, it’s gonna be damn difficult to save any extra for housing. Of course a mortgage locks that in so the ratio does fall over time freeing up some potential savings so maybe I should add that to the model.
The equity from the condo never catches up to the rise in SFH prices. You almost always end up needing a double digit % income increase.
There’s some assumptions there, but the modeling is standard mortgage financing and household finance rules of thumb.
There’s some assumptions there, but the modeling is standard mortgage financing and household finance rules of thumb.
November 6, 2025 at 8:47 PM
The equity from the condo never catches up to the rise in SFH prices. You almost always end up needing a double digit % income increase.
There’s some assumptions there, but the modeling is standard mortgage financing and household finance rules of thumb.
There’s some assumptions there, but the modeling is standard mortgage financing and household finance rules of thumb.
Look at the difference in income (expressed as % of AMI) needed to buy a SFH if applying your condo equity vs the income level that was required to buy the condo originally.
November 6, 2025 at 8:47 PM
Look at the difference in income (expressed as % of AMI) needed to buy a SFH if applying your condo equity vs the income level that was required to buy the condo originally.
Assume that their accrued equity is the down payment they make on their new home. Assume that they stick to the 30% of income goes to housing ratio. Find the level of income required to pay a mortgage at their down payment.
November 6, 2025 at 8:47 PM
Assume that their accrued equity is the down payment they make on their new home. Assume that they stick to the 30% of income goes to housing ratio. Find the level of income required to pay a mortgage at their down payment.
If/when this gets to LIMBY it will have an interactive tool and a chart or two. The model is pretty simple.
Take someone who earns enough to buy a condo at a given year (so pulling historic condo sales, FRED mortgage rates) and do a simply mortgage amortization to get their equity overtime
Take someone who earns enough to buy a condo at a given year (so pulling historic condo sales, FRED mortgage rates) and do a simply mortgage amortization to get their equity overtime
November 6, 2025 at 8:47 PM
If/when this gets to LIMBY it will have an interactive tool and a chart or two. The model is pretty simple.
Take someone who earns enough to buy a condo at a given year (so pulling historic condo sales, FRED mortgage rates) and do a simply mortgage amortization to get their equity overtime
Take someone who earns enough to buy a condo at a given year (so pulling historic condo sales, FRED mortgage rates) and do a simply mortgage amortization to get their equity overtime