My oldest child is going to college next year in a town where I could buy a house for $160k.

I am here acting like a child fighting about all this petty stuff. 

How about this:  Let's make "Rental Property Ownership" the New American Dream! 

I lease out a place occupied by an unmarried couple and a young child belonging to one of them. 

I believe the current American Land Title Association Owner's Title Insurance Policy defines Insured as:h.

My oldest child is attending online college from Portland and renting a room.

@Cory M.Depends what kind of banking you need, but after searching high and low state department federal credit union (with an American citizens abroad membership first, like 100 bucks) and capital one have worked best for me to avoid the nightmare you mention of trying to deal with US banks from outside the US.

There are consequences for our government decisions and a lot of current policy and national sentiment continues to be inflationary (tighter immigration, high tariffs, wars, nationalism/isolationism, child tax credits, student loan forbearance, high government spending/deficits). 

For the branch at Lihue, on Kauai, the phone number is:  (808) 245-6761Another option is American Savings Bank - (800) 272-2566If I can serve you in any way, contact me at any time.  

@David Trujillo your father, like all Americans, has the ability to avoid up to $250K in capital gains taxes on the sale of his home using the 121 exclusion.