.-- Starts picking back up end of February when this tenant pool starts getting their income tax refunds and aren't broke anymore.6) Section 8: where is the property being advertised?

However, i'll likely be looking at additional ways down the road to be even more secure for a backup what if scenario.  

You want this to be your backup plan if things take longer than anticipated, you do not want to dip into personal credit cards so i would use a heloc to help with down payment but try to keep a nice available balance on a heloc as your insurance policy. 

You can also leave out some bulk hotel toothbrush/toothpastes, make up removers, earplugs, sleeping masks, etc. if you really want to step up a "In Case You Forgot" basket.You can keep a closet with extra of things that has a lock on it and if someone is irrate because they don't have enough pods, you can at least have a back up solution for them if you choose too. 

If you choose to move forward, I recommend having a backup plan in case Hawaii outright bans STR.

Have multiple backup plans for any investment.  

Even really skilled operators are left with no back up plan because they can't pivot to LTR in that market, can´t fetch the price they paid because the STR has lost some steam and was bought using nightly rate numbers etc.

No matter how you do it have a back up plan in the event the mortgage company call the loan due.    

It was cheaper to clear the line each year, but eventually I excavated because i got tired of getting emergency calls about toilet backup.

A hybrid approach could also work—perhaps using a HELOC for reserves while saving the stock portfolio and 401k loan as backup options for future opportunities.