When a property situation becomes complicated, it can feel personal, financial, legal, and emotional all at once.
You may be facing pressure from a lender. You may have inherited a property and are unsure what to do next. You may be going through a divorce, bankruptcy, or another major life transition. Or you may simply know something needs to be done, but you are not sure which option is safest.
I’m Chari, broker/owner of CBR Island Properties & Investments. I have been licensed in Hawaii since 2012, with a focused short sale and pre-foreclosure practice since 2015. I help homeowners and property owners in Hawaii understand their options, protect as much equity and peace of mind as possible, and move forward with clarity.
My approach is simple: no pressure, no judgment, and no one-size-fits-all advice.
A short sale happens when a homeowner sells a property for less than the total amount owed on the mortgage, with the lender’s approval. This may become an option when the mortgage balance is higher than the property value, payments have become difficult, or foreclosure is becoming a concern.
I help you understand whether a short sale may be a realistic option, then guide the real estate side of the process: preparing the property, coordinating the sale, communicating with the necessary parties, and working toward lender approval.
You can expect a calm, organized process with clear communication around timelines, documentation, and next steps.
Pre-foreclosure often begins when a homeowner has fallen behind on mortgage payments and the lender has started a process that could eventually lead to foreclosure. It can feel frightening, but it does not always mean the outcome is already decided.
I help homeowners look at the situation clearly and quickly, including the property, the timeline, possible sale options, and whether a short sale or another path may make sense.
You can expect a confidential, practical conversation focused on what may still be possible. The sooner we talk, the more room there may be to work with.
Probate real estate involves property owned by someone who has passed away. In many cases, the property may need to be sold as part of settling the estate. This can be emotional and complicated, especially when family members are grieving, managing responsibilities from a distance, or navigating decisions together.
I help families, heirs, and estate representatives understand the real estate side of the process, including property evaluation, preparation for sale, market positioning, and transaction coordination.
I do not provide legal advice. I work alongside your attorney or legal counsel so the real estate process supports the larger probate process appropriately.
You can expect patience, discretion, and clear communication. Probate real estate is often part of a family transition, and it deserves to be handled with care.
Real estate decisions during divorce can be difficult because the property is often both a financial asset and an emotional anchor. One person may want to keep the home. One may need to sell. Both may need clear information before decisions can be made.
I help divorcing homeowners understand the real estate options connected to the property, including current market value, preparation for sale, showing coordination, and the sale process when selling is the right path.
I do not provide legal advice. I work alongside your attorney or legal counsel so the real estate process stays aligned with the legal decisions being made.
You can expect privacy, professionalism, and a steady process designed to reduce friction during an already difficult season.
Bankruptcy can affect real estate in different ways depending on the type of bankruptcy, the property involved, the timing, and the guidance of legal and financial professionals. For homeowners, it can be confusing to understand whether a property can be sold, should be sold, or needs to be evaluated as part of the larger financial picture.
I help with the real estate side of the process, including property value, preparation for sale, marketing, transaction coordination, and communication around the sale as appropriate.
I do not replace your attorney, trustee, CPA, or financial advisor. My role is to bring real estate experience to the table so property decisions are handled with care and clarity.
You can expect a respectful, confidential conversation about where things stand, who else may need to be involved, and what the next step may look like.
Distressed real estate requires more than a sign in the yard. It requires experience, patience, discretion, and the ability to work through situations that are often emotional, time-sensitive, and complex.
With CBR Island Properties & Investments, you work directly with me. I am a solo broker/owner and investor, licensed in Hawaii since 2012. Since 2015, I have focused my practice on short sales, pre-foreclosure, and distressed property situations.
As an investor myself, I understand distressed property from both sides of the transaction: the homeowner’s need for options, timing, and dignity, and the buyer/investor side where numbers, condition, risk, and structure matter.
Clients come to me when they need someone who can help them slow down, look at the facts, and understand their options without judgment.
If you are dealing with a short sale, pre-foreclosure, probate property, divorce-related real estate decision, bankruptcy, or another distressed property situation in Hawaii, you do not have to sort through it alone.
Reach out for a confidential conversation.
We will talk through where things stand, what may be possible, and what the next right step could look like.
No pressure. No judgment. Just clear guidance when you need it most.
The information on this page is for general informational purposes only and does not constitute legal, financial, tax, or accounting advice. Real estate decisions involving short sale, pre-foreclosure, probate, divorce, or bankruptcy may have legal, financial, and tax consequences. Please consult the appropriate licensed professionals, including an attorney, CPA, tax advisor, trustee, or financial advisor, for guidance specific to your situation.
Also licensed in California, DRE #00988290, under CBR Pacific Properties.