<prompt> Human: Im currently in my first year of pharmacy school in a mid-sized city. Im renting a crappy studio which my total expense is for housing at around 760 a month. Out of curiosity, Ive started looking at condos for sale and theyre around 100-130k for a 1 or 2 bedroom which would make my mortgage payment 500 150-300 for HOAs. Since Im still in school, I dont have much credit built up so Id need to have my parents co-sign on a loan. Since my monthly payment would be less or around the same than renting and would go towards equity, would it be wise to start looking to buy a home? Thanks!  <response>: Do you have an emergency fund, large down payment, and willingness to stay in the city a few years after you finish school or accept a big loss based on the market at the time? Those answers are probably hell no, so thats also your answer. 