conversation: User (1stX): "Salary: 35k year\nExtra reportable income: 8k a year\nSavings:45k\nStudent Debt: 50k\nCredit Card Debt: 5k\nMortgage: 140k \nNot sure if putting 3%, 10% or 20% down.\n\nAlso looking for a new job, with hopefully a pay raise to 45k - 50k.  \n\nBe brutal, let me know if I can realistically do this.  \n\nEdit:  Totally forgot to mention that a solid, very dependable roommate will be paying approximately $800 a month to live with me for the next 5 years at least.  This will not be reported on my mortgage application though.  And yes it is 50k in student loan debt, 5k in credit cards, and 45k in savings.  To put this in perspective I've been paying approximately $1,500 monthly rent for the past 7 years with my current roommate.  It has never been a problem."
  Self: "No.\n\nDepending on a lot of circumstances, you're looking at $1200 house payments.\n\nYou may not even qualify if your credit score is bad."
  User (1stX): "i can afford that easily with my roommate.  Last i checked my credit score was way above 700"
  Self: "Your roommate just lost his job and is looking at 4-5 months without one."
  mlurve (mlurve): "Or roommate has a family emergency, or decides to get married and move out, or there's a falling out, or...etc."
  kfuzion (kfuzion): "I lived with my last roommate for 30 years, it's entirely likely the same will happen with OP /s"
  