**The reasoning**
This is a **second conditional sentence** — used for imaginary or unreal situations in the present. The structure is fixed:
**If + subject + were/past simple, subject + would + base verb**
Since you're talking about something that isn't true now (you're NOT rich), you need the subjunctive mood. In formal English, we use **"were"** for all subjects (I, he, she, it, we, you, they) in these hypothetical situations.
So: "If I **were** rich, I would buy a house."
**Why the wrong options tempt you**
- **A) am** — This makes it a real present situation ("If I am rich..."), but you're imagining, not stating a fact.
- **B) was** — In casual speech, people say "If I was," but exams want the grammatically correct subjunctive form: "were."
- **D) be** — "If I be" is archaic English (think Shakespeare). Wrong for modern grammar.
**Quick takeaway**
For unreal "if" situations in the present, always use **"were"** regardless of the subject — it signals you're imagining, not reporting reality.