<prompt> Human: So I am a 22 year old. I dont actually know what my credit score is, but I have been paying bills under my name for 4 years and am about to get my first credit card.My dad wants me to co-sign with him on a 15-year mortgage on a house he wants to rent out already has a tenant lined up. I dont know the specifics but I know that I will definitely be an owner of the house as my dad puts it, though my dad will be making all the payments.My mom is quick to point out that you are not the owner of the property in any real sense until every last cent is paid to the lender. She insists that this would be a terrible decision for me, saying that my dad is not the most reliable person financially I cant vouch for this one way or another, they are divorced and hate each other, each one claims the other is financially dumb, and is basically entering into debt and liability needlessly, since I dont need the house. She says that when she bought our house, she got approved just on her paying bills on time, credit cards, etc.To be fair, I am very young. Also planning on grad school. I dont see myself looking to settle down and buy a property any time soon. Although who knows, against all of my expectations I did fall in love, 2 years ago, with a man that I could so easily marry. I also already own a car that is in great condition so I dont see myself looking to get a car loan soon either.On the other hand, my dad says that this is a great opportunity for me to build my credit and gain assets... though he has not offered any counter-argument to my moms claim that you do not own the property until the mortgage is paid off.Basically, both of my parents are claiming that their argument is a no-brainer, and making me feel pretty shitty about my apparent lack of savvy. And its true, I know nothing about finance! Hello adulthood, I guess. Reddit, please help!TL;DR: Is piggybacking on a 15-year mortgage more risk or reward?edit: Also I have no student loans, and it seems I will not have to acquire any for grad school, since my parents are willing to pay for it. I am very blessed and thankful.  <response>: As an employee at a mortgage company that handles evictions I suggest you do not do this. I see so many properties where the tenant quits paying rent and there isnt much you can do to evict them or the tenants that trash the house. There is a lot of risk involved in investment properties and considering its with your father it could add unnecessary strain to your family if something did go wrong. 