thanks all, I hope more people think about it while it remains affordable, my thought was to try and beat home price increases since their economy is slow there. Since a few asked about renting, here is the lanai view that sealed the deal really for my wife & I. My father recently passed away with alzheimer's and that had a large impact on me considering retirement and planning financially for it earlier than later. His altered mind made a lot of poor decisions so planning ahead now seemed more urgent to me for retirement than later. I mention this to make others aware of their parents and people that may prey upon them as well as to hope that many people plan for retirement better.
We are not rich but saw this as a rare opportunity to eventually retire in Hawaii while homes are still affordable between the Volcano activity in the past and slow market there. The home is in Hawaiian Shore Estates, a private community of roads, a gym, pool, tennis courts, etc. and there were some homes around us that are still affordable as well, if anyone wants to talk to our realtor there, pm me. He was a no pressure-sales guy and that was a pleasant surprise, I guess the island has mellowed him out. Depending on proximity to the water, Homes are low 200's on up on a decent home that here would be far more. Property taxes are lower based on the home value plus a large credit once you move there full time. They make their money on tourism much like Nevada so taxes aren't as bad as I thought and are less than here. I guess you could say I am upsizing from my 300 reef to an ocean eventually .