<prompt> Human: From reading other posts on here about co-signing home loans on this subreddit, I know the usual advice is NO but please bare with me as I describe the situation. So my parents currently live in a townhome in a pretty expensive area worth 400k, and is expected to go to 500k in the next decade or so but they want to live farther away from the city and get a bigger single house worth under 350k. My dad recently started a franchise at the beginning of the year and between my two parents they are making stable income of 60-90k depending on sales they have a convenience store. Unfortunately they are not able to afford a home loan because the bank needs to see atleast 2 years worth of tax returns, so my parents are asking me to take a home loan in my name in order to be able to afford the house now. And then re-financing in to their name in 2 years once their new business income shows. They plan on renting out the townhome and may even make some cash flow out of it per month. I understand that I will be fully viable in case they are not able to afford the mortgage for any reason. They have never missed any payments that would make me think they would miss one now. EDIT: I have also mentioned to my parents that maybe they should rent out a house for 2 years until their business income shows but they seem strictly against that idea because they think itd a waste of money. Their whole psychologically is that now they are doing well in terms of income and I am as well so they deserve this new bigger home now.. Thoughts?  <response>: Its still a bad idea. Youve read all the posts and know why its a bad idea. Its not just about trusting your parents, its about trusting that none of the million things that could go wrong will go wrongs No one here is going to help you talk yourself into this, but do what you want. 