That being said, you have plenty of reserves where I think you can make a significant down payment and would be able to find something that cash flows.Plus its better to have that money in some kind of asset that grows in value, tax deductible, and bring in income; rather than it sitting in the bank. 

If furnished then set up.Decide how you want to handle utilities (included or shared)What kind of roommate do you want - what would your offer look like?

With your research that I mentioned above, make the choice where you feel the most confident with supporting evidence.

I'm kind of shocked people are still ot there buying properties right now instead of putting some cash away.

But they are hard to find and usually need some kind of work.

Best of luck,NoahThis response provides clarity on Peter's inquiries while maintaining a supportive tone.4o mini

Most did not have those kinds of spreads. 

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