Also, for estate planning Money Podcast 532 Building Generational Wealth?

It's a great way to increase your net worth and these loans can also be used to pull cash out of a property as it appreciates allowing you to reinvest money into new deals.Happy to discuss further. 

I have plenty of verifiable W2 income to qualify but want to do this purchase with low money down.

Lastly, did you say this was a hard money lender?

That means we've gone through all the horror stories, scammers, folks running off with money, shoddy work, etc.So you'll probably find few, if any, folks willing to hand those relationships over.My advice would be to test folks out on small jobs and work them up to doing larger ones.

Beautiful and picturesque, adorable small town, Land is in a preservation zone, but there are ways besides subdivision to make money on land.

He rightfully is thinking that a. you can't spend equity, it has to be converted to money to be useful b.

Just like everyone else in the world, I exchange my time, work ethic, and knowledge for money.  

During this time you are not generating any return from the money invested in the ADU.

Buy and hold in Hawaii doesn't usually pan out unless you're willing to go negative monthly (often considerably) to maybe gain some appreciation over time.