Live rent free.

This is only possible if you have a FICO over 700 and a job for about two years making over $45k.

Buy a 3 BR house for $170k that has a mortgage of $950. You live in one room and you rent out the other two rooms for $550. If your FICO is below 600, you may not even qualify for to rent an apartment. If your FICO is over 800, your monthly payment may be lower than $950.

Every internet ad you see that advertises borrow $200,000 for less than $600 is ONLY FOR FICO 750 or better.

Your good news gets juicier if the house you bought appreciates in value.

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