<prompt> Human: Im currently renting in Queens, NY and am interested in a house in Maryland. Im the only working person in a 7 person family me man in late 40s, my wife, my parents, and three kids and am currently making about 50-60 thousand a year. My main motivation to move is that living expenses will be less and the schools arent too bad either. However, my credit score is 620 and I cant find anyone who is willing to give me a loan, especially since I dont have a job in MD yet. The house itself costs about 50k and the seller wants to sell it with a full cash buy. The house also needs a few repairs but not much. Do I have any options?  <response>: Its wise to move away from NY to an area with lower living expenses, but if you cant afford the house, you cant afford it. Rent and save your money. Furthermore, a house thats all-cash buy, already foreclosedshort sold and only needs a few repairs has all the red flags that you may be walking into a deep money pit. The last family couldnt afford it; are you sure you could?The fact no one will give you a loan for it should tell you something... You have a very low percentage of successfully paying it back. 