Every person who has toiled long and hard in order to buy a house and lot deserves a round of applause. Nowadays, with the worsening economic crisis, most people are just content with living in apartments. Since renting a room is so much easier compared to the hassle of processing papers and going to banks for loan applications, many have decided to stick to their comfortable routine. However, for the brave few who decided to take the challenge, this is just a minor obstacle in their quest for home ownership.