You can also close these types of loans in an LLC if that's a concern.

You should definitely be able to find decent multifamily properties for under $200k, and multifamily would be my suggestion for starting out if you can swing a larger down payment (depending on loan type, you MAY need 10% more for a multifamily vs a single family, but not always).

You mentioned that you're not interested in grants or fundraising, I'm curious what type of operating budget and actual program you have in mind.

I have been doing research, learning strategies and terminology, and begun to form an idea of what type of investing might work best for me in my market.

Type will they come.  

A critical piece of info here; what type of property is this? 

I want to provide a safe, structured living environment for individuals transitioning out of recovery or other challenging situations.I’m new to this process and was hoping for advice on the following:How to navigate zoning laws and permits in Montgomery for this type of setup.Licensing requirements for sober living or group homes.Strategies for finding residents or partnering with local organizations.Financial and operational tips for managing this type of property.I’ve heard zoning can be tricky and want to ensure I comply with all legal and safety requirements.

If you start doing subto and other types then many will not touch that because of potential recourse in the future. 

You have 80K liquid depending on the property type you can put 15% down on a investment property.

I would recommend that anyone who’s doing a type of transaction for the first time hire an attorney to represent THEM, aside from the closing attorney or title co.