So how do I get ads to come up for keywords such as 'maui hawaii real estate' but not 'hawaii real estate' without being limited by exact match or phrase match?
One option: Negative exact match all keywords with "Hawaii" as a "Maui" replacement, then eliminate all versions with "Hawaii" duplicated. (To cover for initial instances such as 'maui hawaii real estate'.)
Broad matches does NOT require all terms to be present in the search.
There is a real easy way to accomplish what you've described - unless - you want to constantly build out your negative term list after the fact - or - using exact and phrase instead of broad.
You could remove "hawaii" from the broad term, and just go 'maui condos for sale'. Using a negative -hawaii will keep you from getting the 'maui hawaii real estate' - unless you place terms that use hawaii as Exact match in their own Ad Group that isn't affected by the -hawaii.
Broad match, I believe, should only be used to discover new Exact terms. Otherwise you are at the mercy of Google to determine what is "close enough" to the broad match term. You might even see searches for condos outside of the islands in the Search Query report.
An example is: "fashion design" - we had 'evening dresses' being matched to that several months ago (before the ultra-broad match release or whatever its called). This was a fashion design school, not a retailer.
The Broad Match definition doesn't say anything about including terms that are not present, EXCEPT for synonyms or 'relevant variations' so 'maui' should be in there unless Google is regarding 'hawaii' as a synonym for 'maui'.
"...If your ad group contained the keyword tennis shoes, your ad would be eligible to appear when a user's search query contained tennis and shoes, in any order, and possibly along with other terms. Your ads could also show for singular/plural forms, synonyms, and other relevant variations. For example, you ad might show on tennis shoe or tennis sneakers.