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.

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

Quote from @Michael Nguyen: Hey 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.

Hey BP community!

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

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.

Greetings BP community, I recently joined a national senior care living development team.

Again, thank you for sharing your experience, and bless you for your work with the community!

I have the passion and am looking for those who are willing to share the wisdom.Hi Mikal, welcome to the BiggerPockets community!