<prompt> Human: Salary: 35k yearExtra reportable income: 8k a yearSavings:45kStudent Debt: 50kCredit Card Debt: 5kMortgage: 140k Not sure if putting 3, 10 or 20 down.Also looking for a new job, with hopefully a pay raise to 45k - 50k. Be brutal, let me know if I can realistically do this. Edit: Totally forgot to mention that a solid, very dependable roommate will be paying approximately 800 a month to live with me for the next 5 years at least. This will not be reported on my mortgage application though. And yes it is 50k in student loan debt, 5k in credit cards, and 45k in savings. To put this in perspective Ive been paying approximately 1,500 monthly rent for the past 7 years with my current roommate. It has never been a problem.  <response>: Wow. Yeah. No.You already have a ton of debt. 