Yes cash is great but usually not feasible for scaling - there are plenty of hard money/private lenders out there - I would just be cautious of who you are interacting with and confirm they are legit before getting started - happy to connect! 

One of the times when I flew out to Cleveland I went to their office and I also had interaction with a couple of their agents.

From interacting with these folks, the majority of those I talked to told me that they did not drop their price because they could not drop their price.....not enough equity.A price drop, barring some creative financing, would have them paying someone to buy their house, and I have yet to meet anyone THAT motivated.As far as appending email and phone, I've noticed just recently a couple of new folks around the site who are pitching phone lists and skip tracing services, like Tony Battle and Ethan Summers.

Who would be the best individual to leave my keys with or to interact with a general contractor or anybody doing repairs.

In many parts of the state, you can already see how this--combined with economic decline and the youth brain drain--is interacting with the RE market ...there's no shortage of abandoned houses and semi-abandoned towns in WV (sadly).

If your activities in Hawaii meet these elements, then you may need to be licensed as real estate agent.

I've never used them (they are a competitor) but I have met some of their team and seen them, they seem like a good solid lender from my interactions

In the future please have an attitude of gratitude when interacting with people.Here is my answer to your question.  

I control the elements and the animals. 

@Brendan Finney 1) most lenders will have   amotizing calculators  avaiable on line  2) most important things  are  can you  qualify  and  also  is the  realistic monthly cash flow  acceptable 3)  FHA is  your only option  for that  down payment amount   and some sellers  could  shy away from the FHA loan ...this is likely  quite as  bad  as it was  6-8 months ago 4) the amount of income  will  vary based on many different  elements   so I would advise beginning the  free pre approval process  to know for certain and to get the otherquestions answered - thanks again and good luck