My wife feel's bad for the tenant because he has a newborn baby in the home.

Closed 6 homes in the past 2 months—including my first celebrity deal in December.

I would look at the DSCR loan as the first option.By the way, I suspect you are going to be disappointed by any refi appraisals   ADUs typically appraise poorly   JADUs can lower the property value Vs having the space as part of the primary unit.  

These types of policies are structured the opposite of a typical policy where the goal is the large death benefit amount. 

I currently have about $30,000 I am planning to invest and I don't have any student debt, credit card bills, or "real" expenses (I live at home).

I feel like a lot of developers lately haev been focusing on townhomes..They just tend to be pricey and hard for the first time home owner to buy. 

Does anyone else have experience with a Hawaii home?

My company builds and sells single family homes in SW Florida.

However, prices on $1M homes haven't really appreciated all that much and we are looking to move to something much smaller near where our kids go to school. 

Both homes are owned by the same family that have hit financial stress and they dont want it to go into foreclosure.