If you're a high cancer risk, health insurance will cost you a premium.Don't strangle your cash flow with a home warranty and throw money at something you'll never get back.

We need affordability bad here in Denver and there are some groups who may be able to streamline the whole purchase and get you market rate.

Told her what it was and she asked if I could discount her rent so she could afford to go to a counselor so she could sleep better.   

If you are in your 20's, you can afford to be riskier than if you are in your 70's.

Where as something cheap like pine straw will require yearly maintenance but it will be very affordable.

Do they have health issues or are they wanting to get out of rentals?

If you can afford the 20 year payment, even with an unforeseen financial hardship then it may make sense to save on the interest. 

If it were mine, I'd just "Don't Know" the cat(s) are there.Maybe they pay the extra $50 for a time (if they can afford it) then move out--to somewhere with a less punitive owner.That way the rent checks just keep coming in and paying down the mortgage. 

This arden and carmichael seemed to strike a nice balance between affordability and nice, spatious properties.

Payment if I can afford the down payment with out a Partner.