I am curious though, in hindsight, how does an investment in STR in Hawaii in 2012 would compare with other markets over this period of time despite all the regulation headwinds?

Shop LTV (or cLTV which is combined Loan To Value, basically your first mortgage and 2nd mortgage combined loan to value), rates, payment terms, time to close,  and draw period (how long you can go into and out of your heloc). 

This resource covers FEDERAL fair housing law, but I think some states (especially tenant friendly ones) may extend protections further and may even eliminate some of the exemptions.

If overturned, the reporting deadlines could be reinstated without a grace period.3.

Educate the land owner on the potential profit run the numbers and go over the basic proxy and blue prints.Make sure you have a seasoned and qualified Builder/GC because they can be a deal killer with wasted time and inflated material and extended completion dates.

When you have enough data over a long period of time, there should be enough to generate a useful score. 3.

Most who make $500k don't have nearly enough dry powder on the sideline to scale a real estate business quickly enough without making huge personal sacrifices for an extended period of time.

Your issue more so is the seasoning period for the refinance is what it sounds like.

Each of these asset classes requires a deep understanding of market conditions, legal nuances, and financial structuring to avoid costly mistakes.For example, tax liens can seem like easy wins but come with complications such as redemption periods and legal challenges.

It was mostly due to my day job income and low cost of living over a long period of time; however, real estate accounts for about 50% of our income through a small portfolio of short, mid, and long term rentals.