This is a great article in the WSJ published on April 12, 2019. It goes through the pros and cons of paying cash, or getting a loan for your luxury property.
In Kauai's real estate market we do have a much higher percentage of cash buyers than you would in a more conventional market.
Generally getting a loan for over 4 or 5 million is very difficult. There are a few lenders that specialize in high end financing and can go much higher that this (20M+). My clients who have used their services have also received more favorable terms that most loans can offer.
If this is something that you are interested in exploring for Kauai, please reach out to me so I can asses which specialist would work best for your situation.