Pros and cons of each option even if you can't sell the branded one eventually? 

Are there any options for lower down payment loans in general or even for college students?

Another option is Wes Warren at Happy Homes.

Many options available.

Here’s a quick breakdown of our financials:Operational expenses (excluding mortgage): $33k (Jan-Dec 2024)Annual mortgage payments: $58kTotal needed to break even: $91k+Income earned this year: $80kClearly, we need to bridge a gap of about $11k just to cover our expenses, and I’m exploring options to increase profitability.

Airbnb came out with a new co-host option where you could get paid for your services to assist owners by selecting % of rents...maybe have him pay you 99.9%?

Rent by room is an option that many people do here but even then it's not easy, and several randoms living under the same roof calls for its own problems and likely a lot more turnovers, so I'll see.

Padsplit may also be an option if you want to be a little less active in managing. 

In this case S8 is probably not a good option.If you are convinced you can find a great family that will take care of your property, then either option is fine for you. 

In this option your agent would either get paid from you directly in your closing costs OR from the seller via seller concessions.like Russell said, if you are comfortable with the transaction and understand what you are signing and you don't need things explained and you have connections with inspections and title companies then go for it.