Thanks for emphasizing some of those other benefits to my overall net worth as well as lifestyle considerations as well! 

Both of those are lower risk ways of getting started.Maybe your goals or lifestyle don't permit them - but they're great options.

If she just moved in, I'd tell her clearly this isn't going to work out (you can mention quiet enjoyment and her being loud at 2 am, but I'd leave other parts suck as her choice for lifestyle out of it-ie having 3 different guys spend the night) and remind her of the lease.

@Tim Silvers ask your title company if they offer an enhanced policy.

What kind of lifestyle do you want to life - ramen noodles and OJ every night?

With a lower median income but active market conditions, focusing on value-driven renovations that enhance living quality without the high-end price tag could be most effective here.Veterans make up notable portions of the population in certain areas, such as in zip code 13206 where approximately 8.04% of the population are veterans.

Houfy is a great cheap option, but I highly recommend creating a branded website to enhance your guest experience and be able to house resources, local favorites, etc. 

I've drafted a Standard Operating Procedure (SOP) for attaching brackets directly to studs, which should provide enhanced stability.

Before making any decisions, I recommend exploring neighborhoods in person, talking to locals, and doing thorough research to determine which area aligns best with your preferences and lifestyle.

This in turn can enhance your financial flexibility and increase your chances of qualifying for favorable loans in the future.