<prompt> Human: My wife and I just graduated college. Im about to move so my wife can go to Physical Therapy School. Ive accepted a teaching job making 42K a year and I only have about 9,000 cash. Rent for a 1 bedroom apartment in the area is about 800-1000 per month. Ive been considering buying a duplex instead living in one half and renting out the other for around 900. Most duplexes Ive looked at are listed around 200k -250k. Using a mortgage calculators this would make my monthly payment around 1200.Is it even possible to get a 200k loan with 7000 down and no job history other than part time college jobs? With so little cash on hand can I afford this? Im pretty handy. I teach woodworking, contraction, and welding. So dealing with small repairs doesnt concern me too much, but I do feel I should ideally have more cash on hand for repairs.  <response>: Shory answer, no. You need more job history and a larger down payment emergency fund 