Are you targeting single family homes or multi-unit properties. 

We purchased the home on 1/30/2023 for $300,000, invested $20,000 to $30,000 in renovations, and sold it for $465,000 on 5/31/2023.

Omg.. lol If no other details of the loan was given to the lenders how in the world would they know when I purchased said home?

Alternatively, you could also just apply a % annual appreciation based on historic data, but those typically won't give you the most accurate market data since they're averaged out across all/most property classes (e.g. a single family home may appreciate differently in your area than a mobile or multifam property, etc.) 

I would consider the business uses of your home, the basement apartment is considered a rental property if you rent it out.

The median price of a home in Hawaii $1M+.

For example,Late RentInsufficient FundsUtility ReconnectionReissue CheckA/C Clean ViolationPest ControlRenewalMove-Out AdministrationUnlock RequestKey RequestFailure to Return KeyPilot LightingGrilling ViolationGarbage ViolationClogged Drain / Tub / ToiletWindow ScreenHurricane Shutter ViolationSmoking ViolationLease Amendment AmendmentPet ApplicationUnauthorized PetGuest ViolationUnauthorized OccupantInspection (due to tenant violation)Yard RemediationPool RemediationSmart Home Device TamperExterior Maintenance ViolationParking ViolationCommunity Amenity ViolationMarketing (tenant early termination)Notice (due to tenant violation) PreparationNotice DeliveryLien ViolationSubleaseAssociation ViolationEviction (not including attorney’s fees and eviction costs)Rent Verification10.

Additionally, I'd appreciate any tips on balancing cost-effectiveness with durability.

He's also correct in that the septic systems are rated by the maximum total occupancy of the home (they don't count dens towards that occupancy).

Protection from Nursing Home Costs: They also mentioned concerns about Uncle Sam taking my assets to cover nursing home costs.