That's known as "waiver"3.

But if you are doing seller financing on assets you acquired in the last few years and did a cost segregation study, it is something to be cognizant of.There is also "1250 recapture" which is taxed as Ordinary income as well, and is not subject to installment reporting - this is when you took accelerated depreciation (bonus) on any real property assets. 

Also i would highly suggest you don't only shop the small banks shop the national ones as well.

I highly recommend a well-qualified REALTOR who works with investors and knows how to help you best.7.

Well and septic.   

I am a hoping there are a few of creative investors in Hawaii that would be able to recommend a title company, an escrow company and an attorney that is well versed in creative finance deals in Hawaii.

I would always prefer to use as low a down payment as possible, but I understand that being located 1 hour from Indianapolis may present some challenges.I currently have a W2 income in Lafayette and am a licensed realtor in Indiana as well.

Hope all is well with you 

Well, you kind of are in that business.

But I liquidated all of my assets as well as my investors assets a long time ago in Michigan and moved us all to investing in Toledo area.