Scenario: 1-bedroom apartment and there's no one else living in the house to watch the toddler. Any recommendation?
To add to Dave's excellent answer I also recommend trying to let go of any inhibitions you might have in regards to when and where you have sex. In my book the living room on a Saturday afternoon is a perfectly acceptable place & time to get jiggy with it. As long as the children are asleep of course. Oh, and you might want to lock the front door if you have friends & family that are accustomed to the old knock/open/yell hello routine. That dead bolt has saved us a couple times :)
I was raised in a house where nudity was never an issue and yes, there were a few times I saw my parents having sex. I do not think it was intentional or an "in your face" kind of a thing. it was more of a "I got home early", or woke up to get water and saw something I shouldn't have.
As strange as this sounds, I don't see a problem with it. It wasn't forced on me and I think it is the most natural way to teach a kid about sex. I will get a ton of "burn in hell" messages for this and I understand that. My family wasn't into incest or anything creepy (just fyi.)
Caution: This is only for non-prude parents¹
Of course you can just have sex in front of a toddler. If he/she is busy playing or reading or whatever, he wont notice. And if he sees you, you show him a smile to show him, that everything is ok. Even better would be to talk to her/him and say, that you want to be left alone/not be disturbed for some minutes. You can explain her/him, that you are doing love. Explaining is always good.
The problem with this method is, that there may arise a conflict between him and his siblings or anything else (hungry, thirsty, has to go to the toilet, …) where you have to intervene or respond. Or, if the toddler is still breastfed, the toddler could become attracted by the swinging bare milky breasts of his lovely mother (of course breastfeeding and having sex are not mutually exclusive, just a bit more complicated, and if for the first time for the parents, somewhat new and a little distracting).
So waiting for the children to be asleep or out of the house clearly is the easiest solution.
¹) By “non-prude” I mean parents, that have no problem to be naked in front of their children. That are able and willing to explain even a very small child, what sex is (not only the biological way, but emotional reasons).
Day time: I think, the best method is to wait for the child to be asleep . Make sure you dont take more than 30 minutes to " do it"
Then check on.your toddler, again and sit beside him.
Also, to do it in night when the toddler, is sleeping heavily is the best time as you get lot of time & dont need to.hurry up. Closing the door (locking it) is a good option as I dont feel its a good thing to make live in front of the child as the kid is too small to understand and may want to try to copy the behaviour.
I have a toddler, and when my Husband and I want to have sex we wait until his nap time. If he doesn’t want to nap we will put his cartoons on, make sure he’s entertained and step into the other room. Yes he naturally walks in, and when he does we just make sure he knows everything is ok and mamas not getting hurt and he will go back and play with his toys and watch cartoons. I know what is best for my child and I can tell if something is truly effecting him in a negative way. I think this is something all of us Mothers have we just know (I’m not sure if men have that ability or not) I truly think it depends on the child. Like I said we know our children and we know if something we are doing in front of them is making them upset/affecting them in a negative way...