<prompt> Human: Atm, I rent a house with 2 of my friends. Rent is 700 pm split between 3 of us. I pay 200 Costs for all our bills including rent is around 1000 I pay 300 Ive just inherited 20k. Is it smart to use that as a deposit on a mortgage, then have my friends pay me instead?I only earn 15k, so from what Ive seen, I cant borrow much. But is there a way to include the potential rent Id be getting from my friends in my earnings? Meaning I could borrow more.Im clueless. Any advice would be great.  <response>: Never buy a primary residence based on possible rent. It doesnt sound like youre anywhere near ready to buy a house. Maybe if you live in a very very LCOL area and have other savings and are ok being tied down to one place. 