Good luck...and just some advice on the financing: Assuming rent of $3,800 and depending on the type of lender you use, I'd recommend keeping the loan under $285k (using a bank) or under $500k (using an HML) to satisfy the DSCR minimums.

That’s probably true, if you consider the bank as the “buyer”.

I am currently looking into applying for a credit card in hopes of liquidating the credit limit via bank transfer, and I am curious if anyone has experience doing that.Main concerns:1) How badly does it ding personal credit?

I’d also suggest reaching out to lenders early since some banks have more experience working with properties in Guam than others.Hopefully someone here with direct experience can chime in, but your idea of locking in a long-term rental while you’re there sounds like a smart way to leverage your time on the island.

In this scenario, the losers are people holding cash or cash equivalents, saving accounts money market, bond funds and highly leverage banks.  

The bank is going to offer you an interest rate, and there's not much you can do (other than buy down the rate).

.: @Jay Hinrichs, you are correct that the NPLs are the problem.I have spoken to my local banks in several state with whom I have 5-10 years relationships, and they don't do this (neither for performing nor non performing loans).

Some people like to have a separate bank account for holding security deposits.  

I've had University Bank offer me one...at least a first position HELOC

Hi @Jonathan Taylor Smith No, its a separate bank account.