That’s what I’m seeing as well.

Well I was taught to use 10% in my analysis and 1 month rent plus 10% is obviously way more.

This can happen with non-students as well.

We own a single family house on the same road, just 4 blocks away in this same form district that is on pace to earn us $35,000 after expenses in 2024, so am confident this duplex would perform well also.

TSAHC's down payment assistance programs can be great options to assist qualified homebuyers get into a home that they might otherwise not have the available funds/reserves for.There are also a few other down payment assistance programs here in Texas as well that are worth mentioning:- TDHCA (Texas Department of Housing and Community Affairs) offers the Texas Homebuyers Program with a couple down payment assistance programs. 

A well written management contract should clearly spell out what is expected of both the PMC and the owner, to PROTECT both and avoid misunderstandings.

Well, it's not.

A lot depends on how well caulked it is today, whether there are a lot of cracks that need to be sealed, etc.  

The claim or lien  gets filed regardless of whether your identity is known.

We offer both from a variety of outlets(and on investment properties which is rare), here's some examples of how recent clients have used a CES/HELOC for both long and short term purposes.That all said, for your purposes I'd want to dive deeper into your plans to repay before advising one way or another.