We would like this to be only in my name so she can use a first time home buyer program in the future and her credit score is a 645.

Or if it doesn't work out I will keep it active to use MLS for future investing!

So that's why I was wondering to see if I could maybe justify the purchase given that I will be paying the same in rent in the foreseeable future. 

Professional cell tower investment companies generally offer 25 to 50 cents on the dollar of the potential future revenue stream.

I think it will be beneficial in the long run for future investments as well.

I do not feel that is likely that things will sour in the future, but I don't have a crystal ball. 

Sometimes the builders prefer to negotiate a seller subsidy or free upgrades as opposed to price, so they are not hurting their future appraisals.  

@Chad BartlettWelcome to BP, and congratulations on making the decision to invest in your future via real estate.I have written a few blog posts that may help you get started here on BP, and with your investing.

Really appreciate the recommendation. i'll be in touch with him in the near future i'll make sure to bring up your name in respect towards your reference.

You'll then have a 40% cushion should you have to foreclose in the future (worst case scenario).