No kids were born and your parents stayed healthy and well.

My original plan was to either live with my parents and buy my first rental property or move in with a friend who is also doing real estate investing so it’s cheaper.

I can withhold half my properties not being rented if necessary or lowering rents... but not getting ANY rent for 12 months?

Ask the tenant if a parent would be willing to co-sign the lease.

BTW paystubs (and other docs) can be bought on line for 9 bucks; any company name you want and any amount; all withholdings calculated correctly too.

The property is under the parents name.

The IC agreement should list the following to improve the risk transfer from you to the contractor,1)  Listing of insurance coverages and limits required for subcontractor to start work2)  You and your entity being listed as an “Additional Insured” with the subcontractor’s policy3)  Requirement that the certificate of insurance comes directly from the subcontractor’s insurance agent (Too many times I’ve seen doctored certificates with a post-policy-cancellation date or modified limits)4)  Right for you to withhold payment for work performed if proof of insurance coverage isn’t provided prior to starting work

My parents own a small business and they would like to invest with me, can a business co-sign the mortgage and be co-owner with an individual?

Just finished post secondary and living with the parents.

Nevertheless, my parents have a home and as my mom as passed, my dad is the sole title/deed holder.