It sounds as though you have thought it through a lot, which makes me immediately inclined to say "yes, do it", particularly on account of (6). So, yes, do it.
Suggestions:
- Discuss it with your mother, or at least present it in such a way that if it goes poorly you have somewhere to go back to.
- Avoid leases (go for month to month) whenever possible. In my limited experience, they are negotiable, and extremely strict inflexibility indicates that it's a rental agency which really does not care about you, such as would own near-campus shit apartments.
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