<prompt> Human: Brief financial backstory for each of us: Im 19, recently opened a secured credit card, and will have my first credit report in a couple months. I own and have a paid off car and make monthly car insurance payments 140 along with phone bill 32 I make 12.25hr and work around 25 hrs a week generally bringing home about 1200month. I also pay for my own college but thats what I used my savings account for I inherited a sum of money when my grandparents passed away. I also have about 1500 stored in a lockbox at home for getting a home, furniture, surprise expenses, etc whatever.Boyfriend is nearly 20 November is his birthday, has not opened a credit card yet but will be soon. He doesnt pay any of his bills, doesnt own his car paid off by his folks, but does pay for his college himself which is about 1800 a semester with books, tuition, etc. He saves up for it though and pays it within two payments. He currently makes about 800monthly but once he secures this new job hell be making about 1200monthly as well.Boyfriends mom 47 has a part time job although she used to have a well-paying full time job at 9hr and makes about 800monthly. She does have good credit though and currently owns the current home we all reside at with about 60,000 left on it.Anyways, the home were interested in purchasing is 115,000 for 4 bed, 3 bath and its a foreclosure home. We will be selling our current home to an investor who knows my mom and we should be getting at least 20,000 guaranteed from him which will go directly to the down payment of the new house. This would make the new mortgage 95,000 unless we get exactly 20 for the down payment which would be 92,000 for the loan.I spoke to an agent on the phone today cuz his mom doesnt speak english well and he isnt very good with talking, negotiating and doesnt know much about finances or real estate compared to me and he basically said oh you wont qualify you dont have a decent debt-to-income ratio blablabla you guys need to build more credit before even considering this home. He was talking down to me like I was a child and that was when he didnt even know my age, I cant imagine if he knew my age how hed treat me. Well I did research and used a dti calculator and mortgage calculator. Our dti is 17 which is said to be favorable considering dtis should max out at the recommended cap of 36. Also the mortgage payment would be about 465 at maximum after the down payment and what not but more likely to be 430. Between 3 people thatd be 155 each to pay monthly which isnt hard.So reddit, am I crazy to think that a young college age couple and a middle aged woman could purchase a house together? All our names would most likely need to go on the house Or should we ask my boyfriends father separated but on good terms with his mother to be an non-occupying coborrower to help this out? Any other advice? Thank you.  <response>: So reddit, am I crazy to think that a young college age couple and a middle aged woman could purchase a house together?Yes. You may not necessarily be crazy, but this idea is. It has so many problems and potential problems at so many levels that its hard to parse through them all. Suffice it to say 1 you should never buy a house with someone you arent married to and 2 you shouldnt co-sign on a mortgage if you arent able and willing to take on the entire amount yourself. This has disaster written all over it. 