<prompt> Human: Im curious as to PFs thoughts on a mortgage with roommates - the rent from roommates will cover the mortgage plus some, but the mortgage itself is about 50 of my income monthly. Does the fact that Im going to have supplementary income to cover that most months overrule the fact that its over 13 of my monthly income? I saw elsewhere that it should be acceptable as a result of the supplementary income, but just wanted to see what differing opinions PF could provide on this type of a situation. The house is a renovated house torn down to the foundation and reconstructed, and everything aside from the foundation will be new, so initial maintenance costs aside from general upkeep will be extremely low barring an issue covered under warranty, which makes me more comfortable about pursuing this opportunity.  <response>: You should not require roommates in order to be able to meet your obligation. I would not bend on 13. 