Alex_angel, if a couple hundred dollars a month is what your bro-in-law needs to afford the house, long-term, then I’m sure that the builder can accommodate with some kind of incentive such as paying the HOA for a number of years or giving him some cash back at the close of escrow.

In addition, he could do 100% financing and have the builder return the deposit to him at the close of escrow. That should tide him over the long-term. In the long-term, he’ll be OK because his career prospect will improve over the long-term and he’ll make more money in a couple of years. Plus his family can enjoy the house over the long term. His children will benefit from the good school district and that will also pay-off over the long-term. In the long-term houses can only appreciate.