@Ryan Bakke, CPA Thank you! Sometimes talking to someone about the situation brings more clarity. It was done as joint tenancy 50/50, next survivorship of property goes to next kin in this situation. Since we went in 50/50 on down payment, and expenses, it was done was a joint tenancy. I think this is where we messed up or the mortgage company did (builder mortgage company that was referred to us did anything they could to make the loan go through)! Maybe they did not want it to seem like an investment property by using TIC since inception of loan? Should it not have been done as a TIC for estate planning purposes to pass on to any named heir not just next of kin? Especially since we are not related. I been looking on the internet but cannot find anything specific to this kind of situation. Plus the answers AI is giving me seem like bunk! I might need estate attorney for guidance on this one.