<prompt> Human: Hey guys. My parents helped me get through college by paying for my rent for the last 4 years. Now that Im through college and Ive got a job, Im trying to establish my credit. While home for Thanksgiving, my parents brought up that they want to take out a 450,000 mortgage in my name to buy an apartment complex and earn income from rent. They say itll be good for my credit. This sounds like a bad idea to me, but Im sure Im missing all the reasons why its a bad idea. I told them I didnt like it, but I still feel uneasy. So I looked up credit freeze, and it looks like thisll stop the possibility of anyone with my information like my parents getting a loan without my confirming it first. Is this a valid solution for me?Assistant: Can you explain why they want the mortgage in your name?There are a lot of much easier ways to establish your credit and if I were you Id say Id rather do that myself the hard way, rather than have your parents do it for you.However I think your unease stems from the fact that they may have ulterior motives which is not really a personal finance issue but a relationship issue.Unrelated, I am awed at the idea of being able to buy an entire apartment complex for the price of a two bedroom house in Seattle. Seriously, a whole apartment complex for under half a million? Human: They want me to take out the mortgage because I have an income now, from my new job. They said they wouldnt be approved for it since neither of my parents have steady incomes. Yeah, I dunno about that loan amount either, since they live in San Diego and its expensive as hell there too!  <response>: Theres a reason banks dont typically give out loans to people without income. I get that the plan is to have tenants pay the mortgage. What if it takes a month or two to find tenants? What if it takes 6 months to evict a tenant? Unexpected big repair?If they dont have steady incomes, how do they expect to cover the mortgage in such situations. If they cant, youre legally on the hook. Something to think about. 