Not sure what you are trying to say here, but I'll try to indulge.

1. Your mom doesn't have enough money - You can still involve your parents by having them manage your property. You'd be surprised though, most parents have at least 20-30k saved up.

2. You can't imagine a partnership with your mom (maybe she's too controlling?). Coming from asian parents, I personally felt this way growing up. I suggest finding ways to bond and build trust with your parents first. If you notice friction with your parents, it would improve your long term happiness if you addressed this sooner than later. Usually, parents are the few people in this world who would never scheme behind your back to screw you over. Having them as your ally could do wonders.