From city to city you'll find distinctions on how many people can live in a place, how many unrelated vs related people, number of cars, number of people per bedroom, etc. 

Hi @Evina Nonato, the distinction is that a homeowner's insurance policy covers personal items, and often have higher loss prevention terms overall. 

I’m not aware of any distinction that “a college student buying/living near campus is not considered their primary residence”....talk to a couple of local lenders, I don’t see any issue. 

@Kim Rose Geographically speaking Grand Marais too Duluth and all things in between is no less than 4 distinctly different investing markets, each a fair bit different from the other. 

The San Antonio SFR market is also very difficult to analyze because there is no distinctive path of progress.

Sorry for the confusion on that - it is a critical distinction.  

You may know all of this, but for showings we arrive 90 min prior and clean the place top to bottom--cobwebs, spray bleach (helps during COVID), put in citrus scented plug-ins, open every blind, turn on every light and my wife and I are both there and smiling, conveying a family/homey vibe, which is our branding. 

This might be where a really good tax advisor would come in...If you could sell this property (or created a "deemed sale") to an entity that you control , but is regarded and distinct from you for federal income tax purposes, that might be optimal, if it doesn't cause problems with any loan or mortgage attached to the property.

There seems to be an important distinction of a Trust not being a "who," and that affects personal property and liability claims.

If you have a SDIRA and other funds to invest, you have two distinct piggy banks and they cannot be mixed.