<prompt> Human: Im in a HCOL city and looking at 400K for a 2Bed 2Bath house with a basement. My current rent is 1100 and salary of 76K. I got offered a 5 down mortgage with 4.019 APR and 129 PMI for a monthly PITI of 2300. Down payment and closing is 34K. I would be left with 25K cash. I think I can rent the upper level rooms for 850 each and live in the basement. I would have to get a business license and pass a home inspection. Right now, I can max my retirement accounts and save 1Kmo. Im struggling to figure out if buying will be better than renting. I figure the bedrooms generate 1700 equity at 0 -4 for the loan but 4 appreciation, I pay 600. The difference from renting is 500. So 6K a year saved. But if I am spending 1.5 year in maintenance due to older home, then I am at break even point. After 5 years, roommates have paid 100K and I have paid 36K. I could sell at this point. What do people think of this idea?  <response>: That house is way too expensive for you. 