My wife and I couldn't buy a home on our own. So, we bought one with my in-laws.

My wife and I couldn't afford to buy a home on our own, so we bought one with our in-laws instead. Bill Coberly

I've known my wife's parents for nearly a decade, and we've always gotten along, but I never imagined sharing a roof with them. That all changed last year, when my wife suddenly popped the question: "How would you feel about buying a house with my mom and dad?"

We knew it would be years before we could afford the down payment on a house, particularly anywhere near Frederick, Maryland, where we wanted to live.

Even though we were both lawyers in our late 30s, we didn't have as much saved as we should have. We had each chosen lower-paying work over big-firm jobs and lost financial ground during our divorces in the late 2010s.

Without the help of my in-laws, my wife and I would've had to wait another decade or so to buy a house.…