So i'm 18, i have the game, i have the car (just got one recently, actually) and i have the money. However, i can't bring myself to bring girls over, due to the fact that my house is not presentable, at least in my eyes. I live on the ghetto side of town, and i can't bring myself to have my potential f-closes/fwb's come over to get busy. the majority of the girls i close with are usually higher-class girls that live in the richer part of town, and i feel embarrassed having to do it at her place, or ask one of my richer friends of mine if i can borrow one of their rooms for the night, because of my own insecurities about my own house. My house isn't decrepit, ruined, or ugly, but it does look slightly trashy, given the fact that we have no green lawn just dirt everywhere, the fence is slightly off its hinges, and my father usually has trash scattered around the front at the end of the day, even if i decide to clean it up that same morning, as well as the fact that i live in the ghetto part of town, and by comparison, makes my house look cheap compared to my girl's. Granted, i still live with my parents, but i cant help feeling embarrassed of my own house. Because of all this, it ruins a lot of potential opportunities for me, and i wish to get rid of this insecurity. Getting an apartment is out of the question, given the fact that if i get an apartment, i can kiss my money goodbye. so, without spending money, How do i get rid of this and finally be confident to bring a girl over?

So you have two choices:

a) Bring a girl over and maybe not get laid.
b) Don't bring her over and definitely not get laid.

How is that even a question?

Try thinking of it as a challenge. You seem pretty confident in your game, alright then prove it. If she's willing to get into your car and come home with you then chances are she has enough interest already to get past the house issue (if she even cares at all), its only in your head that you're cockblocking yourself. Stop making that excuse and just bring them over then deal with it.