Many local homeowners are holding tight to their homes — and it’s easy to see why. Those who locked in low 3–4% mortgage rates during the pandemic aren’t eager to give them up for today’s mid-6% rates. This “golden handcuffs” effect is keeping inventory low across the islands. Homes that would normally come back on the market are staying off, making it harder for new buyers to find options and keeping prices steady. Here in Hawai‘i, that means fewer listings, strong demand, a