<human>: Just a quick question, I am thinking about 5-7 years down the road.
I am planning on being an accountant (assume 50k/year starting salary) and my SO is planning on teaching (assume 50k/year starting salary). I am planning on living in Texas, so no state income tax. The cost of living is very cheap, as is the housing.

I will have no debt, and she will have around 20k of debt. We both have cars, and the useful life is expected to be greater than 7 years.

Her parents are looking at moving, and they said we could live in their current place with a very minimal rent payment + utilities. 

My question is, assuming all of the information above is true, and we lived in the parents house for 2-3 years, would we be able to purchase a house (anywhere from 200-150k) with cash OR with the aid of a smaller personal loan from a bank?

Can you give me a shortened version of the text?
<bot>: Assuming household income is ~100k, and I didn't have to pay rent, could I buy a house that costs around 150k with cash?