@Mat FisherMost programs are very expensive which is why it’s easier to pay a servicer $25-$35/month th manage that process and they will also do all the tax forms and handle escrow

I agree though, Tenants should pay for there own power and water.

Other than the inspection report, there aren't a lot of reasons why buyers change their minds after submitting an offer.Since these are legally binding contracts, you could be opening yourself up to be liable for losing your hand money and even paying the full purchase price of the contract you sign.

.: Unfortunately STRs do not qualify for tax incentives. you will pay 33% income tax on earned income.

-I gave them a 3yr option to buy at anytime-purchase price increases 1.5% every 6 months-They put $10k down (non-refundable) that will go towards their purchase-They pay $1850 in rent. 

When a tenant stops paying you, they stop paying those utilities and the bills add up fast.

The inability of the tenant to pay rent significantly affected my cash flow, and despite the availability of state aid programs, it took several months to bounce back.

I don't see any reason she couldn't put it in a trust though, right?

How would you use real estate to help pay off student debt?

Since the interest rates are high and rent's wont cover mortgage , i'm ok with paying money every month with hope equity build up and rates going down in future  .