<prompt> Human: Here are the details. My boyfriend makes about a 60,000 salary working in the Quality Assurance department of his company, and after paying taxes, saving for retirement and putting some in savings he has about 2,675 left over for everything else. He currently has 13,000 in a roth ira, and we currently have 15,000 in savings for a down payment on a house. hes been saving about 1,000 a month and we plan to try to close on a house sometime in may or June and have about 18,000 in savings total. We were approved for a 300,000 loan for a house and are planning on putting 5 down. We dont want to spend more than 260,000 and 5 will likely be 13,000. We plan to spend around 3,000 on inspections as well. We used to figure out our monthly payments which will be 1852.72 totalThe plan is for him to purchase a home in his name and have two very close married friends live with us as renters who will help with the mortgage. I am the odd one out and currently do not have a job until we move in as I will be graduating with a Bachelors of art in Graphic Design in June, and will likely be working one to two jobs for a short period of time until I get a Graphic Design job that pays well. As it stands, if we got a house for 260,000, the mortgagerent division would be based on how much we can afford. Until I get a job my boyfriend will be paying 1235.72 plus utilities to cover my portion of the mortgage a bit over his 30 but doable if we scrimp on fun things and savings and our room mates will be paying 617 plus utilities. once I have a job we will be splitting more evenly, each paying about 617 per month plus utilities. one of our friends is also still in school and after a year he will be able to contribute more income as he will graduate. hes going to school for Cyber Security. They have stated they would be interested in being our tenants for 2-5 years. which is fine because we dont plan on having a kid for another 5 or 6 years. In case of an emergency, my boyfriend is able to pay for the entirety of the monthly mortgage if he had to, although hopefully, life doesnt kick us that hard.As far as debts he only has about 3700 left on his car and I have zero debt I know, its a goddamn oddity, my grandma is a sweet lady who is paying for schoolFor some context our situation is a little complicated or we would just wait a few more months after I graduate and find a job to purchase a home. My mother, who was previously allowing us to live with her in return for paying for utilities, decided to spring an unexpected move out date on us and we now have until February 1st 2017 to live in our current residence instead of the originally agreed upon July 1st 2017. In the mean time my boyfriend will be moving in with his mother and I will be moving in with mine. This will allow us to save at the same rate, but it will suck regardless.I can not move in with him as his mother is very religious and we are not yet married we really dont want to spend money on a wedding right nowIf you have any suggestions, they would be very appreciated :Assistant: The worrisome part is that there are a lot of if nothing goes wrongs in your post. If you find a job, if you get renters, if no unexpected expenses pop up, etc. You shouldnt be making such a huge financial commitment under the assumption that everything goes as planned. For some context our situation is a little complicated or we would just wait a few more months after I graduate and find a job to purchase a home.So you want to buy a house so that you can live together for a few extra months? Why not just rent an apartment come February?Human: Its not really a question of If I find a job or if we get renters. both of those are locked in, Its more of a question of if I find a job that pays well in the field that I went to school for down the road. We also arent buying the house so we can live together for a few more months, we are buying a house mainly because of the renting scene in Portland. its very expensive for very little space, with the risk of rent spiking after a lease has expired. Comparatively buying a home is a better investment long term. We would also prefer to continue building our savings come February instead of spending the money, when we could be spending close to nothing on housing by living with our parents.Assistant: Its not really a question of If I find a job or if we get renters. both of those are locked inHow much is your job paying you? When do you start? How did you manage to get the tenants to sign the lease before even settling on a property? Human: As I said before I dont have a job. I have a friend who said she would get me a job at a local Winco, both her, her husband and her mother have been working there for more than 3 years now. base pay is 11 an hour. The two friends who will be living with us have not signed a lease yet as we have not yet found the home.  <response>: Dont count your chickens before they are hatched. A lot can happen in two months that drastically changes a guaranteed thing. Your friend could lose their job at Winco. Winco could stop hiring. The friends who plan to move in could get their dream jobs across the country. Someones parent can get very sick and they need one of your friends to move in and care for them.It is great to make plans, but also have a realistic alternative if things dont come together. 