I thought up some ideas on how to be smart with financing before (even with an okay job and after cutting costs) and it was an awesome idea, but I forgot it. But another idea was: im the superintendent of my building so I don't pay rent. The best thing I can do is buy an apartment (2 bedroom for like $35,000) from a government owned building, then once it goes private, rent that out for like $10,000 a month while I stay home and collect bank. Or sell it for close to $800,000. My friend just recently did that, except he wasn't a super so he just chose to live in the new, soon-to-be $800,000 worth apartment for only $35,000. THAT'S A STEAL. It woulda been worth like $350,000 but he spent $100,000 to renovate it, and that makes it's worth skyrocket, especially after the building is owned by a private contractor and not a government anymore.