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?

With the right structure and guidance, recovery housing can be both a meaningful and financially rewarding addition to your portfolio.This post does not create a CPA-client relationship.

But the good news is: once you understand the basic legal structures (Hak Milik, HGB, Hak Pakai, etc.), it's very possible to invest safely and profitably.I'm currently working in Rote Island, a lesser-known gem in Indonesia—land is still very affordable (starting around IDR 150K–475K/m²) and we've had successful deals under full freehold (Hak Milik) titles through trusted local notaries and due diligence.If you're Indonesian yourself, even better: You can buy land directly.

One common approach involves structuring your ownership and operations through multiple entities.

Some residential areas or homeowners' associations (HOAs) may restrict or prohibit prefabricated garages due to aesthetic or structural concerns.

I recently learned about “partial note sales,” where note holders sell a portion of their payments for upfront cash but keep the rest later.It sounds like a flexible option for both liquidity and long-term gain.Anyone here structured or purchased a partial?

And while they underwrote conservatively, they didn't structure the deal conservatively, in hind sight.They have a pref in their deals. 

I am reaching out for some professional advice/guidance on ways to creatively structure/finance a unique investment opportunity we have.

It's important to structure this from both a tax and liability standpoint.

This can be a low hourly and get bonuses when you close deals with them, or any other way on structure.