Here are a few innovative strategies that have been game-changers for my portfolio:- Co-Living Spaces: With affordability concerns rising, co-living setups are attracting young professionals and students.

There are tons of loans out there that use just the projected or actual income from a property vs the payment of the property (DSCR loans). 

Your personal loan has a 5 year balloon period.  

Here's a breakdown on loan options to consider:FHA Loan: @Brittany Minocchi is right in looking at FHA option.  

My company is licensed in 31 states for owner occupied loans (check my profile) and I can lend in 45 states for business purposes loans (nonQM and dscr loans).

Often, lenders will not act until the differential between current interest rates and the interest rate on the subject loan reaches a certain point.  

Than be smart, site back and listen, take it all in, be a good student. 

Selling PT is very difficult and as a young student it will be difficult to find much success.

We do those types of loans.

@Cody Caswell there's several things to ask about here that might not be answerable in a forum:- Why do you need an FHA loan?