<prompt> Human: I got a unique proposal from my dad that Ive been mulling over. Here are some details of my current situation:1 I live in the San Francisco Bay Area Silicon Valley - one of the most expensive housing markets around. 2 I make a comfortable amount, but have had a rocky career path. My emergency fund will be decent by end of year, but I dont have anything in the bank towards a down payment of any property around here. 3 I live in a rent controlled apartment - 1kmo with roommates, which is a great deal for this area. Lease is until next June. 4 I dont foresee being able to own a home any time in the next 5 to 10 years without moving far away. I will be living in the area definitely, so I figured I would be aggressive with my Roth IRA, savings, and whatever 401k I have rather than bet all my equity on a home. My questions:1 Would a bank, credit bureau, Uncle Sam, etc. even recognize a multiple person mortgage? Would it be helpful or harmful?2 Is owning 50 of a home that will likely appreciate a better investment than my portfolio, which Ive got an 11 return on to date?3 Is 2 a worthless question if my down payment is paid by papa bear and my mortgage payments, taxes, and maintenance are - 10 of a standard rent for my area?4 Would you take him up on the offer if it were you?Thanks for whatever wisdom and insight you want to share, PF. edit: formatting  <response>: The only way he would get 50 from me is if the down payment was 50 of the purchase price and there was a contract that he would still have to pay for half of the expenses of the house taxes, repairs, insurance, etc. 