It is hard to know what contaminants are in the water; which is a major portion of our human body.Sadly many of the issues are found late in the game, and our organs already gone through some damages.Over the years, I realized if we have good health; the rest of life issues can be sorted out with ease.

It would seem to me that as college tuition has a built in inflation factor, student housing (provided that quality is kept up) might be able to enjoy a portion of that inflation factor.Perhaps offering cleaning services, food preparation, partnering with local car sharing... anything to add value to the renters..?

I would hate to see you lose a large portion of your profits because you pay for utilities and your tenants keep the A/C on when they're gone for the day.

I noticed that some had poor management, old lighting, they didn't have sub metering for the water and they gave us a free washer and dryer.If I could find a good value add for someone, do you think they would consider loaning me or giving me a portion of the value that I added to their property?

By some miracles there aren't any repairs or maintenance needed for a long time, can you use portions of the reserves to make extra payments to the loan or maybe use it for some upgrades to the home? 

If so you could look into delayed financing to cash out a portion of your purchase + closing costs.

It is not your money it is his and legally he can demand the return of any unused portion at any time.This applicant would not have passed my minimum screening requirements and would have been rejected.

✓Second Home Requirementsmust be occupied by the borrower for some portion of the yearis restricted to one-unit dwellingsmust be suitable for year-round occupancythe borrower must have exclusive control over the propertymust not be rental property or a timeshare arrangementcannot be subject to any agreements that give a management firm control over the occupancy of the property

If this is your primary and you're comfortable with having roommates, see if you can rent out a room or a portion of your basement for extra income.

I have learned through trying to find partners that often you will have a small portion of the profit for a while to give them a half-decent ROC.