From a purchase loan perspective, with any conforming mortgage you are not going to be allowed to have your down payment be anything but guaranteed funds that are verified as yours or a gift from a family member.In other words, in order for this to legally work your parents would need to give you the funds required and a signed note saying they are not expecting repayment of the funds and that it is a gift.

We manage over 600 doors up and down the I-25 corridor and my perspective is really that "the market is the market." 

We can get very blinded quickly when we have nobody to give us perspective.

There is a definite benefit from a legal perspective to setting up an entity like this as you can move some of the liability of interacting to this entity rather than putting that liabilty on the owner directly.

I don’t know your circumstances obviously or your goals so it’s hard to comment in any way other than a general perspective.  

Account Closed Gaining a big-picture perspective helped me overcome the fear and analysis paralysis when I first got started.

If it was rhetorical, please say say and I’ll not share my perspectives.

Hoping to get some perspectives from the community.

I would like some others perspective, because if it sounds too good to be true, it probably is. 

Sounds like you've got your answer ^^ but I'll add my pro educator perspective anyways.Charter schools are public schools, and I would definitely include them in my analysis UNLESS they happen to be ones with an incredibly long waitlist.