<prompt> Human: This might be a long read but part of it is just me venting. Here goes.Im currently living at home while attending my third year at university. Im studying electrical engineering and got a surprisingly high-paying internship close to 50,000 a year if I were working full-time. Its a co-op, so Im guaranteed hire after I graduate in a year, and Im guessing Ill make a lot more once I have my degree.Im living at home at the moment. Its a three-flat apartment building that my grandma owned and now her 5 daughters own with 4 of them living in the building for 20 years now. Its cramped and really needs a lot of work. My mom and aunts decided they finally want to move out. They reckon they can use the profits from selling the building as downpayment on a new house. I dont where theyre getting these numbers from, but Ive heard 400,000 thrown around a lot so 80,000 goes to each sister. Im no appraiser, but I feel like thats a lot more than I would value the building at. Like I said, it needs work. Apparently, they have 20,000 saved up from the rent money theyve been paying and will use that to polish it up a little before putting in on the market. Anyway, back to me and my mom. We both have pretty lousy credit her due to defaulting on a couple cards years ago, me and my student loans and we really would like to finally have a house. As I said, I should be doing pretty decently quite soon. My mom works as a nurses assistant making 30,000 a year, and my two other siblings work and arent really a financial strain on her she gets government funded insurance for them. My dad also gives her 300 a week long story, they dont live together, hes got a gambling problem. Shes looking at something in the ballpark of 200,000. I really want her to have a nice place to live after living in the cramped apartment for so long, I really do, but I just feel like Im potentially starting my adult financial life on the wrong foot. I dont feel like any lender will give us a loan she swears up and down that combining credit is possible, which Ive never heard of. Even if we get a loan, is 200,000 a lot broken up between us? Like I said, weve never lived outside the apartment building so theres no ballpark here.If you read everything, God bless you. If not, the TL;DR is: mom makes 30,000 a year to support two younger siblings who also work, and Im going to be making more than 50,000 a year soon. Shell hopefully have at least 30,000 as a downpayment. Neither of us has good credit. Is buying a house even in the cards? What effect will buying the house have on me as a young adult?  <response>: As long as your mother is legally married to your father a gambler her finances are entwined with his. This is not a situation you should join. She can figure out her living situation and has a job and a piece of property to work with. 