I'm not one to bet on it yet.

However if she insists on being on the deed, I wonder if giving her 7-8 thousand like a wholesaler and flipping it would be my best bet, or even giving her a 50/50 or 60/40 share of the (possible) 60K flip. 

And I bet when you see the P&Ls/Tax returns on this guys amazing business, it becomes less amazing.Don't waste your time, you're running a business here.....right?

I am not sure how I feel about the various ADU rules (or SB9) (I have mixed feelings - I like them as an RE investor and hate them as it takes choice away for lower density areas), but if I was a law maker I would explicitly state a penalty for a jurisdiction collecting fees against the bill's direction. 

- Also, good choice in degrees - something practical.Talk to us a little more about the job you are looking for and why? 

My problem is too many choices! 

I’m betting now she bought the property herself. 

So, a say $40k net income MIGHT let you borrow $150k (assuming you have no other debts/loans which I'm guessing might be possible if you have $30k saved up).So, the co-signer route is your best bet, just remember it may not be theirs since you will be tying up their credit.Hope this makes sense. 

I know people do long distance STR, but A) I bet there are lots of restrictions against those in Hawaii condos, and B) long distance would not be my preferred way to start doing STR....not by a long shot.If you can't qualify, find out why you can't qualify. 

All great advice but until you start to really understand and choose a strategy of choice that works for you, we really can't help much but give general advice.