I don't know how to feel..

I'm 20 years old, and I love my father to death, but I don't respect him. My father is not a husband or a father honestly in my eyes. He is a carpenter and never wants to do any work that people ask him to do, and he does damn great work! He just complains about having no money and all that. My mother is like a father, mother, wife and all. She has taken so much, stresses to pay every damn thing possible. I help her out and so does my brother because my father doesn't work along side of her. My mother and father are still married and have not slept in the same bed almost 15 years now. They are married living separate lives, and just sleep in the same house. My dad has cheated a lot on my mother in the pay, and I think that has set a bad time as well. Now my father wants us to pay him money so he can pay the mortgage. That's the only bill he pays along with his cellphone bill. Which is pathetic. I just don't understand. Now I have a boyfriend he is 27, and I'm with him all the time and I stay at his place. Everyone knows, but I have not told him, and I just don't want to deal with his mouth. & now he's always saying "when I find out where u are somebody is getting hurt" I'm a grown woman, and you can't just decide now you want to care. You never do anything for me or any of us. & im suppose to have respect? I feel bad that I don't. I love him but he is no real man to me. He is such a bum, and it's hurtful. My mom is stressed to the max with bills and crap and trying to do it on her own. I keep telling her it's time to move and I don't know what's holding her back.