<prompt> Human: It is for sale at 125,000. A 20 down payment would make the mortgage payment about 500mo. I make about 3500 a month. Single. I have a small business selling stuff on ebay. I am pre approved for 135,000. I would plan to rent out at least 1 room of this house on Airbnb to offset some of the cost. I am very frugal and have no debt or car payment. Only cell phone and car insurance. My original plan was buy a duplex and long term rent one side. Nothing on the market though in the last few months. USA: Indianapolis. I thought about just buying this nice single family house, which is 3 bed 2 bath partially finished basement and then waiting for this market to cool off to buy a duplex in order to bring in some cash flow. My debt to income ratio would suffer though after buying my first house, unless I really did a lot of revenue on Airbnb, and only after 2 years would that count toward DTI. Then again, I think that if you get tenant contracts prior to an investment home purchase it will count in favor of your DTI. I believe this SFH, when I move out, would break even in terms of cash flow. Meaning it would rent for about 1000 and my mortgage is 500, 50 rule means it would be a 0 net. Is this a bad investment? I look at it as an investment but also I need housing. And in my market, buying is cheaper than renting. Especially considering I would have the freedom to rent out a room on Airbnb to offset the cost. What am I not thinking of here?  <response>: Sounds doable. Just get a fixed rate mortgage, not an adjustable rate mortgage. 