<prompt> Human: I am planning to buy a house or a town home with my sister. I am a first time home buyer she isnt. Shes married with a contractor and will have two children by the end of the year. I make 80k a year as does she, and we are looking at houses in the 400k range. I understand the costs that are involved initially, but am more wary about possible occurrences in the future. How should I protect myself legally?  <response>: Dont do it. It rarely works out. 