As with all first deed trust loans, my rule is to only invest in a property I wouldn’t mind owning in case of default.

Makes it so much easier to remember all the details. 

He only have a auto loan with last 34 payments all on time.  

All of the outer islands send their patients to Oahu for Medical specialties, this causes huge back ups.

I went ahead and pay the retainer fee to have anna as my retainer. so let see how this plays out  Nice, all the best.

I have a full time w2 job plus managing all the properties and I am getting good cashflow.

Hopefully you kept the deposit to cover the costs as that is likely all you'll see.

I do not think that's a bad idea at all.

Regarding auctions, if you don't win the bid do you get all your money back?

If I were you and could do a refinance and get all or most of my investment out of the property, I would hold on and wait for the market to come back next year.You can get up to 80% LTV on a DSCR Refinance.I assume you are using a Property Manager, I would take a little more control of my future tenants and call their previous landlord to see if they made any repairs to the property while they were there, how many time they were late on their rent, etc.