Literally what everyone is saying be creative. I lost my virginity on my GF parents couch in there living room while her whole family was having a Halloween party right outside, with people coming in and out to get More Drinks. But I sort of been in your shoes with sometimes not really having many places to do it. I have done it in a shed. a barn even the back of my truck on the side of the interstate. Some times when I was younger And My parents were home And it was warm out I did right outside in the darkest spot I could find. If you or her are not comfortable with being seen, Find the most sucludded spot somewhere anywhere, 90% of the time no one is going to see you if your in the darkest Spot at night. unless your wear reflective tape or body paint. Just have fun with it and don't make so complicated.