<prompt> Human: Hello PF, I am 29 and just got married a month ago. We are trying to start a family. We own our home free and clear. We have around 15k in Student loan debt. Each month we can save around 1k without even tryingbuilding up funds from our wedding. However if we go down to one paycheck because she is prego we are going to be tight on money. I wanted to know your thoughts on buying a second home to rent it. Right now we have enough money to cover the mortgage if there was no one in the rental but if we were on one paycheck it would be very hard to do so. I want use the money that I already have in the house to work for me but I dont want to get myself in trouble. I have always been on the safe size of things but I dont want to miss an opportunity that could really help me out later in life. Current house is 110k 2nd house would be 75k-90k I Make 45k Student Loan 15k 4.125 min 114, pay 175  <response>: However if we go down to one paycheck because she is prego we are going to be tight on money. I wanted to know your thoughts on buying a second home to rent it. if we were on one paycheck it would be very hard to do so. You already know the answer to your own question. 