Chicago newcomers Rose and Travis want to buy their first place in Lincoln Park or Lakeview, two communities close to downtown nightlife. However, despite having saved enough for a 5% down payment on a $350,000 property, their favorite neighborhoods are too pricey for this budget. As they expand their search, they find a unit that they love that also includes an adjacent basement property that would allow them to duplex down for great resale potential. After tough negotiations, they land both units. However, as the closing date nears, they discover that their lender is now requiring more money down, and it's a last-minute, stressful scramble for Rose and Travis.