Rare 2.25% assumable VA loan opportunity-Sellers will consider allowing a qualified non-VA buyer to assume this valuable benefit, creating the potential for substantial long-term savings. This HPP property also offers exceptional flexibility, island charm, and approximately 2,565 sf under roof currently used as living space. The main dwelling is warm and welcoming, with two lanais, a two-car carport, and a freestanding gazebo that creates a peaceful setting for relaxing or entertaining. An attached studio and covered breezeway leading to the bonus room add even more versatility for guests, hobbies, or extended living. The permitted additional dwelling (ohana dwelling permit) unit offers comfort and independence with its own laundry, photovoltaic power system, oversized single-car carport, covered temporary parking space, and a private lanai overlooking the backyard. With six bedrooms plus the bonus room, the property is well suited for multigenerational living, guest accommodations, long-term rental, or hosted short-term rental. A summarized history of revenue is available. Lush landscaping with native tropical plants and fruit trees including papaya, mango, coconut, guava, and waiwi (strawberry guava) creates a vibrant island backdrop, while several intimate outdoor areas offer privacy throughout the property. Located near Makuu Drive at the end of the neighborhood, this property enjoys a peaceful setting midway between Keaau and Pahoa for convenient access to dining, shopping, the post office, and emergency services. Hilo is just a short drive away, offering the University of Hawaii Hilo, Hilo International Airport, government offices, and endless ocean recreation including swimming, kayaking, sailing, fishing, and surfing.