Yes of course its price can be more volatile and can go down faster than real estate would but long term it appreciates and pays every month.Curious on BP communities thoughts..

This is an amazing community for learning and growing in real estate investing. 

Does anybody have any recommendations on small/community banks that they like to work with?  

BP Community! 

Like mentioned it's also beneficial to keep up to date with what's happening in the area your STR is located, and make sure the decision makers are aware of hosts and what they bring to the community.

Hawaiian real estate law differs from other western states significantly, mostly due to its monarchal heritage and the Bishop Trust influence.The basics are the same as would be in California; determine the condition of title ownership (individual(s), estate (including conservatorship, if appropriate) OR fiduciary acting for trust.Use a qualified private money equity lender to make a loan sufficient to buy out the cash-only beneficiaryThe legal community in HI and Big Island in particular is small.

Trade schools and community colleges would be ecstatic for this, and if done it would be the "skills revolution" that the industrial revolution was. 

Quote from @Jayleco Mcgaughy: Hello BiggerPockets community!

Then your best bet are probably community banks which have more flexibility (albeit worse terms) than larger banks and also worth looking into are DSCR lenders.

It will likely be a “commuter” community and will still attract plenty of great tenants.