But also, that's a difference circumstance.

Also in the world of asset protection (not legal advice, just opinion) there is a concept known as equity stripping which means you protect your capital by pulling the equity out of it so if someone sues you there's not much to gain except for getting a charging order to obtain your rental income which there are ways around that too."

Do you think maybe my efforts to source the best rate/fee combo for their circumstances might drop off a bit? 

I'm literally about to do the same thing as a first timer, except in a very different market. 

I know the Maui market, but I don't know anything about zoning or ADU limits on other islands (except that Oahu's zoning is a million times easier to understand than Maui's!) 

You can sometimes get around it due to unique circumstances like job moved 50 miles away, relationship change (getting married/divorced), etc ,but if you have all of your life variables the same, it is just one year, and then you can buy another property.3) You can only have one 3.5% FHA loan at a time unless you have good reason to get another (see point 2 above).

I have the financing set, along with the key people needed, except for a GC which I am currently searching for based on recommendations.

@Brie Schmidt could you help me out with the same question except out in the western suburbs??

Exceptions would be if you have a strong strategy planned for how to increase your income or decrease your expenses. 

There really Is not much value to them to accept a proposition especially on a moderate 6 cap property. ( An exception might be if one of your accredited investors is a WHALE.