I've Been renting all four rooms in my house out individually for about 10 months now.

HELOCs are not available because they are residential loans guaranteed by individuals and what you seek is a type of commercial loan or credit line which are available to seasoned companies with proven financial track record.

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.

Thank you, Do you think families treat the property better than individuals?

I manage a few smaller complexes and they are all on individual price schemes though they are usually within a few dollars of each other. 

New landlord question- if I have an individual who wants to rent my place for their parent - who do I have fill out the application?  

It depends on where you want to live, income, personality, and other factors.You could buy a large home and rent out the individual rooms to cover expenses, but this comes with problems.

We have done it both ways where we fund purchase and they cover rehab but if the individual is less experienced we do not do it that way, we have them put more money into the deal from the start and fund the draws, reason why is we also had a deal where the person said they would do this and never did anything and property sat and loan matured and it was a pain.Just recognize you will still not get 100% financing for the purchase, so you are putting money in up front. 

I have partnered with individuals on fix and flips but my goal for 2025 is to buy my first LTR.

We often need to ask the right questions to help determine the best route for each individual.