<prompt> Human: Im a college student currently looking at purchasing a home 4 bedroom and renting to a couple of people that I can depend on who are looking for a long term 3-5 years living solution. I have a part time Job making 10hr and plan not to put money down and instead pay the increased PMI because of this. Id charge about 375room utilities included.3 bedrooms rented out living in the fourth myself. What would I be able to afford? Is this a good idea?  <response>: First, its doubtful youd qualify for a mortgage based on your income, employment history, and credit. Second, no, its not a good idea regardless. If you need a roommate or three to pay for the home, you cant afford it. 