Hopefully other Hawaii investors will chime in as the year goes on.On the bright side, the people of Hawaii (renters) are getting a chance to catch their breath financially.

A person with a disability has a physical or mental impairment that substantially limits one or more major life activities (for example, caring for oneself, performing manual tasks, walking, seeing, hearing, speaking, breathing, learning, and working).

We eat, sleep and breathe this industry. 

@Luis FernandezYou might want to take a deep breath before you plunge in with your $100k unless you have many $100ks behind that one.  

I would not hold your breath on them sending your lease back, they are watching you to see if your going to be lazy on late rents, or hit them hard and fast.. do the latter.

I mean, I'm not panting and breathing heavily or breaking out in cold sweat or experiencing shortness of breath at all.

You also become responsible for making repairs and fixing the things that break and you can be pretty certain they already know the maintenance they’ve deferred and will breathe a sigh of relief knowing that now someone else is financially responsible for it.

That way as the equity goes up you can get a loan and pay off the heloc and you have some breathing room.

Don't hold your breath waiting for those who say they'll get back to you with the completed application until, well, they get back to you with the COMPLETED application plus proof of income and whatever else you require.  

Just take a deep breath and pick a place to start studying.