<prompt> Human: hello!ive recently made the jump into buying a house, and by jump I mean jump off the deep end and left my apartment to stay in my car, ive done research, crunched numbers, and am working with a HUD housing counselor to learn as much as I can and put me in the best position possible currently im looking at a usda loan, trying to get approved for 175kon my own it looks like ill be approved for 90k, but I intend to get roomates, im in a tourist area so there are always people looking to rent, I am well aware that I shouldnt rely on roomates, but my plan is to charge enough for rent to build a safety net enough to cover hard timesthe house im looking at is a townhome in a community with many sellers so I have a few optionsim wondering what I could do to bridge the gap, I dont fully understand rent to own, but I wont throw it out as an option, but are there other ways for buying a house for more than the loan youre approved for?for reference, I live in orlando so 90k really doesnt buy a house with windows and floors that touch all the walls  <response>: They will not take a plan to have roommates into account. Its too risky for them.You need to either:1. Get a larger down payment2. Increase your income3. Settle for a smaller house with I guess non-enclosed walls. 