As someone who works in the industry in nyc, this is largely case by case. Most co-ops prefer not to have a parent buying for an unemployed child. I’ve had a parent buying cash with 10M in the bank get denied because they didn’t want a college student who wasn’t working living in the building.

You should be able to find a building that allows for what you are describing. Just be sure to ask all of the right questions prior to viewing the property.