<prompt> Human: 20 yr old. Earlier this year my mom started a business that has taken off and is looking to buy a new home in town and asked if I wanted to buy it with her. We have been looking at beautiful homes around 450k in Central California. She would cover the down paymentclosing costsetc and all that would be asked of me financially is roughly 1,000 a month. My brothers 1 bedroom apartment is 900 a month for reference. I dont mind the stigma of living with my mom, shes a very quiet roommate who is rarely home. Im a full-time MRI tech and the payment would be in my budget. I havent thought about living here forever but dont plan on moving anytime soon. My family seems to think it would be a smart investment for me but I want hear your commentsconcerns. I currently live rent free in the same town. I am going to be working 13 week travel mri contracts and will be away from home much of the year.  <response>: Just a heads up on an issue I noticed in your post. If your mom just started the business this year then she is going to have trouble qualifying for a loan based on that income. Getting a self employed mortgage is difficult enough but you add less than 2 years of history in that income and it is even more daunting.If your name is on that loan, either as a co-borrower or a co-signer, then only get a loan with payments you can make with just your income alone. To do otherwise is setting yourself up for a possible failure that will take a while to recover from. It may turn out fine but be prepared and understand the risk.I cant help but wonder if this lack of income history is why she would included you in the deal. If the lender will only give her credit for only a small percentage of her income then she needs your income to put here in a position to qualify. Not judging just warning you of the possible negatives here.Just an opinion, nothing more and nothing less. 