<prompt> Human: I am 24 years old and make 37k at a waiting job I have had for 6 years. Im about to finish college with a finance degree. My friends showed me a house close to theirs that was recently on the market and suggested that I buy it. It is a 4 bedroom in a nice neighborhood near a university. I was thinking I could buy the house and rent out a room or two to one responsible tenant. I dont have much for a down payment so I would maybe piggy-back the loan to avoid PMI and then make extra payments with the rental income. Is this smart?  <response>: No, this is not smart. 