<prompt> Human: Ok guys, hoping some of you can provide some guidance. Sorry if this gets long. Also using a throwaway for security reasons. What I want to do:Buy a house get a mortgage on a new and expensive house with the intent of having several roommates for several years to help pay for the house. I have a house Im looking at right now which is listed just under 12 million. 4 total rooms. 3 bedrooms I could rent out Id live with my gf in the master. Reasons and Goals: Based on the numbers below, I believe this could be a good investment long term. I also want to maximize fun through my late 20s and my 30s by surrounding myself with friends and good company in a nice place while not screwing myself over later in life. Currently live in an extremely cheap but also shitty house which I want to escape. Background: I graduated 6 months ago with a good engineering degree; Im in my mid 20s. I started straight out making just over 80kyr and have been working for those 6 moths. Monthly take home pay after taxes and benefit costs removed is 4200. Im in the Tampa Florida area and intend to stay for at least a few years. I have no fear of being fired and worst case believe I could get another equal job quickly. I have zero debt, am very healthy, own a newer car in full, and have a decent credit score around 760. Monthly expenses right now recurring expenses not one off or any fun purchases are around 1200 I could lower this somewhat including a 200 rent payment I have currently in an extremely shitty house. Im including a breakdown of my monthly expenses below. No plans for kids or the traditional family life for at least 5 or 10 yrs. The house I live in right now is rented by myself and two other roommates. I have a gf who lives with me in the master bedroom and contributes to rent fairly. Unfortunately, the house is very shitty and not that big. My other roommates express almost 100 interest in being my renters in this new house and I get along with them great I dont believe Id have any problem keeping most of the rooms in the new house rented to good people friends for 500 to 600 a month per room if not more.Im also very lucky to have both very well-off parents with no problems as well as a decent sum of crypto I could use as backup in case the worst happened just over 70k at todays prices. Mint says my net worth is around 60k without the crypto counted. My expenses:Problems: I only have about 20k saved for a down payment right now just over 30k total in my checking. Id almost definitely be paying PMI as I do NOT want to liquidate my crypto doing this is absolute worst case emergency mode for me. In general Im a risk adverse person pls no comments about the crypto lol - i get the irony but have my reasons for not wanting to sell and as such Im having trouble quantifying this as a good or bad idea. Guidance from you:Is this a good or bad idea? How can I quantify my return on investment by buying this house vs some other investment? Ive tried to do this in the below spreadsheet. Anything Im missing? Can I pull it off? Based on number from my spreadsheets it looks like Id have to personally pay under 2k a month for the house AND return on investment would be 20 or higher. How wrong am I?House calculation spreadsheet:Notes: I know Im very lucky so hopefully I dont come off as arrogant. Im genuinely just trying to make good financial decisions for my life Any advice is appreciated. Thanks!  <response>: You cant buy a 500K house with 80K income.Your base payment is 3000month.Sorry. 