All the advices I read below are bad. You want to buy that soon and not wait 5-10 years like all these nutheads are suggesting. Get a second job or create a second job. Start a landscaping company, painting houses on the weekends, uber... whatever gets you busy. The busier you are the less money you spend, the less you have to go into dumpsters eating out of trash cans the more money you make for that 20% down payment. If the mortgage is slightly above the price you were looking for.... buy it and rent some rooms out.
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