Out of curiosity, have you used that structure for clients or in your own portfolio planning?

Some newer investors also work with private lenders or look into local banks or credit unions that understand investor-friendly deals.We’ve built a pretty solid list of lenders who are active in this space and may be a good fit depending on your deal structure.

The challenge right now is that those rates are running 8.5%+, which seems unnecessarily high.I’m trying to think creatively to either lower the rate a couple points or improve the overall structure. 

A good place to start is understanding the basics:How private lenders structure deals (interest rates, points, LTV).What types of projects they fund (Fix & Flips, DSCR rentals, BRRRR strategies).What they look for from borrowers (strong deal, exit strategy, and numbers that make sense).I work with a lot of investors who are brand new to private money, I sent you a Dm let's connect!

Having said that, how do you structure the simple things like mail delivery?

As long as the new property is genuinely held for investment purposes and the transaction is properly structured, renting it to you shouldn’t be an issue.

Avoid “dealer” status on long-term holds.Entity & structure: PropCo (LLC/partnership) holds; OpCo (your GC) builds/renovates.

This part of town seems to offer more affordable options while still being relatively safe and convenient for students.The goal is to:Provide housing for our daughter and her friends starting January 2026 (spring semester).Structure the purchase as a primary residence, so we can qualify for better mortgage terms.Include myself, my husband, and my daughter on the mortgage application to strengthen our position and meet the owner-occupied requirement.Convert the property to a full rental down the road once she graduates.We think the $30,000 should cover a 5–10% down payment plus closing costs under the primary residence structure, and the property would serve as both a short-term housing solution and a long-term investment.Would love advice from the community on:Does this sound like a smart way to combine student housing with a first-time real estate investment?

.- Know your tax position before you buy: Depending on your income type and how you structure the deal (LLC, partnership, etc.), you could be losing deductions or missing out on ways to offset rehab costs.If you’re not already working with a CPA who understands real estate strategy, that’s one of the biggest early advantages you can give yourself.

@Stanley Yeldell Smaller investments can often deliver higher ROI, especially when structured with favorable deal terms or seller financing that requires minimal upfront capital.