THE idea is not bad..but the question is....are you going to stay in USA for long time.

As you friend is in H1....its never sure when she will have her GC.

until and unless you are not sure how long you are going to stay in this country don't buy it.Its worthless until U are GC holder or Citizen........

If your friend have constant source of income for 3-4 yrs to pay house mortgage then its not a bad idea.Also If you friend is single don't buy it at all.My friend you can tell yyour friend to use that money on stock.