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@snervel Practice patience in your purchase. I’d suggest renting for a few years to really determine the area or neighborhood you want to settle. A 30 mortgage is a commitment and if you blindly buy in a relatively unknown area, unwinding a purchase could prove expensive. You both are very...

@snervel $20k isn’t much more. But, really depends on housing market you are in. When we bought our fixer upper in Los Angeles, we spent ~$25k for new windows, roof, and electrical panel (not rewire). This was over ten years ago, so it’s only gotten more expensive! Not a fan of HOA’s. If...

@snervel You lost me at “girlfriend’s parents”. Not sure what a house costs (too much to read), but it doesn’t seem you have a lot of assets outside of this gift (I think you have $13k). Owning a home is expensive; property tax, insurance, maintenance, etc. A new roof, furniture, broken...