We replaced rotted wood panels on the exterior, painted the inside, re-insulated the attic, and other minor repairs. 

The move was for work purposes, I am a Civil Engineer in the Petrochemicals industry.

I would call that middle class at least, and that's assuming 0% interest on that initial $3.5M.So, you're ***-u-me-ing perfect health, no injuries / accidents, no natural catastrophes (hurricanes / cyclones, wild fires, volcanic eruptions, ... at least two of which are common in HI), vehicles which last forever and never need to be replaced, destruction-proof housing and furnishings, ...... and if you CAN live that lifestyle in HI on $100K / yr (most people can't in ANY state), why are you not teaching personal finance at the university level? 

I have excellent credit and I have a stable career as an engineer.  

., if they just have to take Grandma's rose bush with them and forgot to put it in the contract, as long as it was professionally replaced with something as good or better. 

It's built into the counter, which is covered in tiles.I am reluctant to replace the entire counter over a sink, so I was thinking of reglazing it, but I've learned that "reglazing" is not the same as reapplying the original porcelain glaze.

You should ensure that they are not only operational, but in today's energy efficient world know how antiquated they are compared to other newer'ish buildings, and what the cost is to upgrade or replace these systems. 

I am a structural engineer in my mid 20's currently pursuing a master's degree.

We make a combined $75,000 a year income and of my goals is to replace my income with real estate income which is about $35,000. 

All anyone has to do is replace outdated, energy sucking devices and they are doing what the program would be telling you to do.