Notice how they presume they are going to buy the asset at a substantial discount from the lender.  

Could be.I think that for most individual American investors leverage is a critical tool. 

A mid-term rental could be an great option during the 6-7 months you're away since it appeals to traveling professionals, remote workers, or individuals relocating and offers stable income without the constant turnover of short-term rentals.

I believe sometimes a bad experience is more reflective of the individual than the company. 

Ideally I'd like the ability to invest in individual stocks of my own choosing (fractional shares is a plus), a diverse option of index funds, and ETFs.Has anyone found a great banking option to have the most flexibility with your HSA investments?

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 would echo this, it is a great REIA and the best place to find local, like-minded individuals and resources. 

They have people invested in individual properties, especially students. 

Quote from @John Morgan: I’d do individual cash out refis on them to scale up.

This is a fine needle to thread because at this size, you very quickly start competing with high net worth individuals who are seeking summer homes.