<prompt> Human: Hi everyone. I am looking for some general pointers and maybe being sent in a good direction. As the title says Im looking to buy my first housecondo. Reason is I feel like rent is throwing your money away. Some info I think is probably important:Im marriedI make 315kyr, she makes 75kyrI have 250k in student loansI started working 1 year agoExpenses: Rent: 3150month Bills powerinternetetc: 120month Student Loan : 2100month No car payment Ive been a student all my life until now that Im out there finally making money and making these decisions. I was thinking getting a place around 300k or less so that I can move out in a couple years and use it as a rental property and get something else. Any input would be appreciated. Im a doctor so I hear I have access to PMI free loans? Are doc loans worth it? Thanks for all the input.  <response>: Do not ignore the wisdom of setting aside and expecting to spend 1-3 of the homes value each each in general maintenance. Stuff breaks, wears out, etc. When you live in an apartment you usually have a guy to call to take care of stuff... When you own, you also have a guy to call... But that guy is you, especially if its a house and not a condo. Also dont overestimate your desirecapability to DIY things that go wrong. You may find that after working all day or all week, the last thing you want to do is fix some random thing that needs attention...so you pay for it.Good luck. 