I know many recommend buying cheap investment property instead of pouring all into an expensive home in HCOL city. But would that waste our first time home buyer benefits? Can someone explain how to best approach it?

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I don’t think it’ll impact your FHA qualification.

I believe it would based on what I researched. My husband's mom asked us to consider cosigning on a house for her (don't ask, we obviously told her no) which is when I actually read even if we wanted to help, we could lose our first time homebuyer benefits.

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