But I don't find that the ones that do exist are more concentrated in the mountains or the cities.  

Very limited doesn't really convey it in venue sense, nearly non-existent is more accurate. 

Navigating Zoning Laws: Challenges and Opportunities for Co-Living Real Estate InvestHey BiggerPockets Community,As co-living gains traction as a viable real estate investment strategy, it's crucial to understand how existing zoning laws can impact these ventures.

Seems like what I'm looking for may not exist.

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Through the LLC structure it is possible to take advantage of the existing mortgages modified first at 4,125% 22yers and 1%, yes one percent, for 40 years.

This week, two critical economic reports—the CPI inflation report (Tuesday, February 13) and Initial Jobless Claims (Thursday, February 15)—will provide new insights into whether the Fed will stay on its current path or begin signaling rate cuts.Real estate investors looking to finance new deals, refinance existing loans, or time their next acquisition should closely monitor how these reports shape market expectations for the Fed’s next move.Current Market ConditionsMortgage rates have remained stubbornly high due to persistent inflation and a strong labor market.

And that's after paying to replace the existing system with electric baseboard.

However a couple larger items that should have been discussed: the pipes would freeze every winter (we've since found a fix), no water shutoff exists in each unit, the well pump has to be turned off and cut water to all 18 units, no pest control was ever done on the property, there was a unit that would take on exceptional water during rain due to improper prep and installation of a new concrete slab.

You don't have to answer that, nor can you because it's subjective, but the point I'm trying to make is that they may not view it as a great deal as it currently exists.