As a high income earner, there are alternate routes that garnish high returns than LTRs, are more passive (nothing is truly passive) than both LTRs and STRs, AND expose you too much less liability.

Alternatively, an engineer or architect could do the whole thing.

@Darius TracyPlan Administrator of the TSP has list of investment options available for that plan, and it is always confined to the stock market, they would not allow alternative investment options such as real estate.

Alternatively, you can work with a CPA who is also a Certified Acceptance Agent (CAA) and this saves you from having to mail original documents to the IRS.

an alternative to cozy is Zelle.  

The problem is, we’re college students who alternate between working and attending school.

That would be correct if OP's father has made or intends to make an S election for the LLC.Since OP did not specify tax status of the SMLLC, we're left to assume no alternate election was made, and the LLC carries the default tax status: 'Disregarded Entity'.A DRE should not be issuing W-2s or 1099s to its owner as it's effectively dissolved for federal income tax purposes and there's no distinction between the owner and the LLC.

As was mentioned above, Home Possible is a great alternative to FHA loans if you qualify for that loan type. 

Alternatively, buy a used range and have her pay the full amount. 

Alternatively, you can lend your money to someone and earn interests on it.