Does society condition the average american to have a phobia of risk and buy before we earn?

You will need to fix the deck so its safe for adults and kids.

There's another turnkey provider in Dallas I spoke with named American real estate investments. 

We have 2 young adults and while they don't have official student loans because they borrowed from family who offered to loan to them at 0% interest, regardless they're paying rather large monthly payments, at their choice.... but my question is more about house hacking & the financial side of that, for them, as they are looking at purchasing their first property together (brother & sister - not sure how that'll go down with banks for young first time buyers who do have steady jobs been working since they were 15yrs of age, excellent credit built up, both credit scores almost 800, but still, They Are Young ) and as they are planning and dreaming and talking of all this ..... 

He was young, 23 years old, but nonetheless he was an adult and made his own decision and paid the consequences.  

I know the applicant pays it, but it can be a steep fee if there are 2 adults in the house and some people are charging $35 per person.

Their PQF said Sun American Mortgage.  

I mentor young people in Sierra Leone and Freedomtown Africa, these children and young adults have been orphaned due to illnesses, many of them have no other family.

That's what they told me at least, still mostly paperwork, God Bless American bureaucracy.

Aloha everyone, I'm an American.