<prompt> Human: As title says, my girlfriend wants to buy her own house. At the moment she makes around 1800 a month with 3000 dollars in savings. She wants to buy a house for 350 k. Then she wants to put no money down and to get a roommate like a friend to live in the guest part of the house. She wants to charge 1000 for the room which has a bathroom and equal use of the kitchen. Her mom and some of her work friends are saying its a great idea, and im telling her it is not. She is getting mad at me because I am not supporting this idea. Am I wrong to think it is a bad idea. I feel like there is to many ifs on the line, and she will struggle in debt.  <response>: She wont get approved based off the numbers youve provided.1800 isnt enough to qualify for a 350K home and its less than what the mortgage and insurance would be. She also needs to have a decent credit score, which you havent posted.The lender will want to know where all her income is currently coming from anyway. Additionally, she cant count the rental money as doing so will classify this as an investment property which means 20 down. Failure to disclose rental income would be mortgage fraud.TLDR: your GF and her mother dont have any idea of what theyre doing. 