The contractor knows that investors will fight tooth and nail to not pay for a change order (and he investor may not make money if they have to pay the change order).

During the day, I'm an attorney, and my firm almost exclusively works for health care clients.

The second property is owned by an older gentleman who is spending more and more time in another state taking care of his mother who is in bad health. 

My background is from insurance agent to health care and now working in health care as a physician assistant.  

in some small towns, the local town hall often houses the board of assessors, bldg dept, dept of health and tax collector.  

So, if ANY of the members of BP ever have any questions regarding health / dieting / exercise / training / nutrition, please feel free to reach out.

Each loan was gone over with a fine tooth comb, everyone trying to blame someone else for the loss.  

I was also lucky that I was and am in good health, if you retire early like I did, you'll have a chunk and a half for health insurance premiums as you get older! 

I would call that middle class at least, and that's assuming 0% interest on that initial $3.5M.So, you're ***-u-me-ing perfect health, no injuries / accidents, no natural catastrophes (hurricanes / cyclones, wild fires, volcanic eruptions, ... at least two of which are common in HI), vehicles which last forever and never need to be replaced, destruction-proof housing and furnishings, ...... and if you CAN live that lifestyle in HI on $100K / yr (most people can't in ANY state), why are you not teaching personal finance at the university level? 

I think finding a buy and hold investor would be the way to go but would I get "laughed into oblivion" for pitching it to buy and flip investors too?The