<prompt> Human: Looking for advice related to housing purchase decision:Background: My fiance and I are about to get married, we are around 30 years old stable 4 year relationship. I graduated from grad school last year and am building my business and she is entering the software engineering world also looking for a job. We live in and love the Bay Area near SF read: home ownership is really expensive here. We would like to start having children within 2 years. My other background finances include an account of 1m about 60 of which is tied up in retirement accounts.I recently inherited 1.1m in addition to this. Weve been looking at houses that could accommodate a growing family and even at that absurd price range living in the areas we would prefer it would be a stretch. The ideal range for a 2200 sqft home in a nice neighborhood that had a unit we could airbnbrent until we had kids would be about 1.4-1.5m.Other info: I am able to acquire a loan up to 400,000 at under 3.0 on a 15 year payback policy, no PMI.So heres my questions:1 Because my fiance and I are both starting our careers we wont qualify for a traditional high-value mortgage. The only chance to purchase a home will be through using the windfall cash I have. Ive been hesitant to consider this since mortgage rates were so low I figured I could make more money having the money invested. But Im realizing now itll be a while until well qualify and mortgage rates are rising fast. What do folks feel about using this money?2 Thoughts on the loan? I know the specs on it are great - is it worth using to get a better house that will let us have a rental unit for income? Right now our rent is 2600month and a 300k loan at 3 over a 10 year payback comes out to be basically the same as our rent. I know there will also be property tax and insurance to consider, however.Thanks all!  <response>: You need a lawyer, especially in California, if you are buying with someone you arent married to. rlegaladvice Absoutely no way I would do this until you are married.Being a landlord and AirBnb in California are also very complicated and can be risky. You need to read much, much more on those risks before you casually throw out these options. rlegaladvice 