Rent. Save up their money until they can have a reasonable income to mortgage ratio , about 30-37% at least, and pay off credit card debt, and forget about the new BMW, trips to Bermuda on a cruise ship, season tix to their winning sports team and all that stuff.

OWNING a home to live in is not some god given or constitutional right, last I heard.

If it means that much to you, why not try a lease option or something?

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)