<prompt> Human: First, I apologize Im on mobile, so formatting might be silly. So Im 21, not great credit 445-505, depending on the report, but Ive got some money to pay off debts. Ive only got about 1,650 in credit card debt and have about a grand in federal student loans, I think I owe the book store an additional 150-200. It wont be hard to pay off. Now on to the houses. My grandma died last week at 93 yo, and owned 2 multiple unit houses, a duplex and a triplex. The duplex she rented at 500 and lived this the above 2 bedroom. I would value rent at 700 for the upstairs. The location im in has pretty affordable housing The market value of the house is at 98,000, the mortgage would be just under 500, taxes and utilities around 250. The house pays for itself when rented. The triplex she had she rented at 550, 550, and 450. The market value is 86,600. I havent calculated the mortgage payments but it would be less then the other house, obviously its just cheaper. Taxes I dont know either I can and will find out asap but Id imagine it would be less based on price and theyre in the same township. I need a place to stay also, and I have a few options. 1. I live at my parents. Its free, but my dad is self employed but is a borderline hoarder and very lazy. He could be wealthy if not for being lazy. He misuses resources like he has never run any thought through his head. Yeah hes old and tired, and not in good health but thats his doing just because hes overweight and has never given two shits. Dont get me wrong, I love my father, we have a decent relationship. He is just stubborn. Sorry, I rant. Anyway its not really an option. Option 2. I live in one of my units. The one reason I dont want to do this is because I want someone to pay me to live there. Duh. My dad has appartements and he might cut me a deal. So if I was able to rent from him for less then I rent my unit out I should do this option right? 3. Is live in one of my dads apartments I just mentioned. Lastly I have to mention my aunt. She wants to buy the duplex. Its more of a home, where the triplex is, well a triplex. My father also wants me to buy the duplex because hes sentimental to it like my aunt. I dont give two shits about his sentimentality, I care about money. And Ill be able to pick up the duplex when my aunt kicks it shes old also. 68 I think so I think the triplex is the better buy for me. My father offered my a loan for the down payment because I dont have it saved. Grandma went quicker then I thought. She seemed healthier. My aunt, my dad, and my other aunt are all benefiting equally in the estate. However my dad and my other aunt this one lives out of town and has little preference, other then not dragging the estate out long are executives. The aunt who wants to buy the duplex is not an executive. That about sums it up, sorry its so bloody long. Lmk what yall think.  <response>: This problem basically solves itself. No one is going to give you a mortgage with shitty credit and a bunch of debt. 