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.

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..

Hi BiggerPockets community members,Happy New Year!

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.

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.

For family life, there are great communities with good schools and a lot of kid-friendly activities.

You are trying to say you will use the " investors" to fund community programs, that sounds like a charity because there is no earning on the investment.  

You can also message me if this is an option you're seriously considering and I'm happy to chat with you about BiggerPocket's private community for syndication investors called PassivePockets.

Hey BP community!

Quote from @Michael Nguyen: Hey community!