<prompt> Human: Good credit, no debt, paid off car, steady monthly income of 3k, 25k in cash savings.Is it crazy for me to buy a house right now? Im in Denver which is definitely a sellers market right now. Tons of people moving here to buy homes which is causing rent to skyrocket, and home prices to increase in general. Im just thinking if I can get a place with a mortgage of under 1200month, the home value is likely to increase as well as me putting money into equity instead of someone elses pocket that I rent from. Would it be viable to own a house and then rent out rooms while I live there? Could really help bring down my monthly payments and free up even more money to put into savingspaying off the mortgage early.I dont think I would stay in this place longer than 5 years, so I guess Im viewing it as kind of a 5 year savings account which I can live in. Talk me out of this.  <response>: the home value is likely to increasePeople in 2007 thought this too. Dont bank on home prices increasing or decreasing, especially with only a 5 year window. as well as me putting money into equity instead of someone elses pocket that I rent from.How about the money youll be giving the mortgage company? Or the insurance company? Or the bank? Or the contractorstechnicans that do the repairs? A vast majority of your monthly payment wont go to equity for a while. Depending on the age and condition of the house, you may have to spend quite a bit on repairs.Would it be viable to own a house and then rent out rooms while I live there?Do you want to be a landlord? On top of that, do you want to be a landlord who lives with their tenants?I dont think I would stay in this place longer than 5 years, so I guess Im viewing it as kind of a 5 year savings account which I can live inThats a really bad way to look at it. Savings accounts have no risk. Buying a house carried a great deal of risk, especially in the short term.Buy a house because you value the stability of home ownership over the flexibility of renting. 