Give someone 100% and charge your points to the back end of the loan and sh*t goes awry, they are a hell of lot likelier to shrug their shoulders and say "oh well, i have nothing in this deal anyway, so, see ya lender...thanks for letting me have zero skin in the game from the get go. 

I really need someone to look over my shoulder on this wholesale rental deal I need to present to the property owner (PO).

Doubt on your shoulder will be very tall.  

(Why not stand on the shoulders of giants?)

For me it was to get my foot in the door into real estate and to be able to rub shoulders with others in this industry.

This doesn't mean that they are trying to cover up anything and it puts the due diligence on my shoulders, where it belongs, anyway.Thank you all for these fabulous responses!

Don’t stand with the bat on your shoulder son , you must take a swing .

LOL @Bill Brandt, That's OK I've got broad shoulders (and a thick head as my wife says). 

@Aadejoke Jagunna first off let  me say you seem to have a good head on your shoulders and you seem to be making good choices.

@Henry Uili Apart from the great advice you've received, I would add that taking "debt" off the parent's shoulders in this manner might not be the most prudent idea.