<prompt> Human: So my friend is going to the small college in our home town. We live in a small town and she lives about 10 minutes from school so location isnt an issue. She, her best friend and her friends boyfriend are planning on buying a house because its cheaper than renting and you can just resell it and make money off it later... She said the FHA is paying the down payment and that the banks said it was the smartest option and I fear that the banks are trying to take advantage of them. What should I tell her?  <response>: Ask her the what ifs. What if friend and her boyfriend break up. Will both still be able to live there? What if the roof leaks or the hot water tank explodes. Can they pay for that?What happens if one person decides to stop paying the mortgage?What happens if the housing market tanks and they cant sell? 