ThanksBrett, we do flips and rehabs and have several lenders in the area that specialize in ARV "style" loans.

We're in a small town so we ask our bank loan officer who is involved in the community for a CPA reference.

You're likely looking at a 25% down loan for a non-owner occupied. 

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.

I am looking to see if there are ways to get creative with downpayment on commercial loans.

Statistically, I would bet that many of these properties could be at risk from a similar event before the reconstruction could even be completed.What is the new premium on a $5-10-20M insurance policy and how could it ever be recuperated during the life of the policy or length of the average 30 year loan? 

I funded this with US cash, as well as a loan with a Canadian bank.I have shared this process with many friends and other real estate buddies that commended my journey.

Most people don't qualify for that relationship.The seller financing will not show up or affect the credit score.However, when applying for a loan at the bank or especially a Federally Guaranteed loan, they ask on the application for ALL Loans, whether  or not it shows on a credit report.

So prompt responses to inquiries generally get the bookings.  

@Denise Brown-Puryear I am biased as I co-own BIFI Loan Servicing.