My wife and I are in a transition period -- one in which I retired my decade-long business, became a stay-at-home dad for our 2nd child, and am now doing RE investing fulltime (managing my local properties and making good progress on remote-investing in other parts of the country).  

ProTip: don’t talk to your naysaying parents; don’t talk to fearful people when you’re doing scary big boy sh*t that certain people are too afraid to do.

Counselors believe that it is "victimless crime" , nevermind a child cannot defend themselves.

In the event you're having trouble securing a loan you could have a parent or family member co-sign the loan for you (if they have both good income and credit).

I thought it would be a great idea, since I am receiving help from my parents by living with them.

You also have the benefit of having parents pay the rent instead of the actual tenant. 

I had visited their parents house when signing the lease (younger couple) in an A+ neighborhood and very clean. 

I was married by 24 with a child and my wife didn't work.

For younger people who are still building their credits, if they have a higher score it probably just means they were on their parents account anyways. 

Your analysis is child like.