Pad split is great but you need to be careful what cities you do it in cause it will bite you if done wrong 

Be careful not to place your identity in your age/success in RE.

I have had a couple of long term tenants who struggled to pay rent on time but always paid and took good care of the property so I worked with them. 

Costa Rica relays on Tourism and, you are absolutely right about the dilutions of hospitality in the world by Airbnb, however, the static still shows the preference of hotels by consumers when it comes to resorts due to all-inclusive options, comfort, and personalized care.

She doesn't care, why should i. 

There are cheaper one’s in D/F areas but I would be careful as those can create a laundry list of additional issues.

I think if the end result is affordable housing people need to be invested in their own housing otherwise a good percentage of the beneficiaries of your program won't care.  

You have to be very careful in who you listen to.

I would just start out by meeting with bankers, telling them your goals and mentioning some of the ideas you had(FHA vs conventional) and ask for their advice.

You can do a duplex though, which might not be a bad idea.With your credit score, conventional might be a good choice, you only need 5% down for 2-4 units if you live in one.