You can do residential, but its a ton of work and no matter what, there is tons of competition.

You could focus on entering smaller or less competitive markets where your capital goes further, such as investing in affordable multifamily properties or cash-flowing rentals out of state.

This is likely the reason you're not seeing many lenders offer it.

I would also note your mention of not wanting liability, but offering to "co-sign".

Offer to be his/her assistant for free, do all the stuff he/she hates doing, and learn the business from them.

Knowing this information will help you identify the right professionals to bring on board.At minimum, your team team should include:Financial Advisor: to help with investment strategies - portfolio diversification and risk management.Real Estate Agent/Broker: to help with property acquisition and market analysis.Accountant or Tax Advisor: to help manage financial records, tax planning, and optimization.Attorney: to provide legal counsel for contracts, agreements, and investment structures.Mentor or Coach: to offer guidance, insights, and industry knowledge.Networking and Relationship Builder (for everything else you will need): to connect you with potential partners and collaborators.

Either you or someone you pay has to build them, no one is going to send you their workflows/automations/marketing campaigns that work for them because that's their competitive advantage.

I've had a few offers of more than twice what I paid for it.

I have 6 Co-Living properties (41 rooms) in Colorado Springs.Insurance:I've been seeing insurance companies start to offer Co-Living specific products that are very expensive (2x-3x normal cost).

Eugene could be a great choice for STRs with the university driving consistent demand with college kids + family, and Portland offers year-round potential with its already strong market for both MTR and STR.