<prompt> Human: Okay so this will be a long post. Im 22 and my fiancé is 23. My parents are currently getting divorced and are horrible with their money. They bought their home in 2006 for around 280,000 and 11 years later after building a 20,000 shop and refinancing, they still owe the same thing. My dad is fixing up the house to sell soon but I dont want them to sell it. My fiancé and I want the house but the mortgage payment is currently 2000month and my fiancés credit is not exactly good. He makes 60,000year and I make around 23,000. My credit is in the 700s. The realtor told my dad he could probably sell the house for 300,000-310,000. Which is too high for what my fiancé and I could get approved for if we wanted to buy it from my parents. Also, our lease doesnt end until May 2018 and my dad doesnt want to miss the prime market in the summertime and he wants the profit small as it may be after realtor fees, etc My mom also wants to save the house and is willing to keep living there to help my fiancé and I pay for it. We had an idea on how to save the house but I need advice or any other ways I havent thought of yet. :I take out a loan for a few thousand dollars and put it towards fixing the house and basically pay off my dad to get off the house deed. We rent out the house until our lease is up and then take over by doing a quick change deed I looked it up and have my dad get off the house deed and we get on. We then refinance AGAIN and make the monthly payment lower so my fiancé and I can possibly afford it on our own. My dad also thinks this wont work because no one will want to rent a 4 bedroom house only for a few months. What do you think?  <response>: This is a huge longshot. I see you have an emotional connection to the house, but see what a banker says. Its unlikely you can pull this off. 