I just went threw this a few months ago. I have been living on a piece of property my parents own for over 30 years. Was suppose to be my part of the inheritance.
Long story short..... Both my parents are 84 so a old age home may be in their near future. If you do not pay full appraised value the government can come back and call any difference between what you pay for it and full appraised value a gift under the 5 year law. Both my parents are still alive but I can already see my sisters chomping at the bit trying to add up their share.
So I just went out and got a loan and bought the property for full appraised value from my parents. If I get some of it back because my parents still have the money when they die so be it but at least I know I have this place to live. I have never in my life been so separated from my sisters as in this past couple of years. It has gotten so bad I even told my dad I would be happiest if he just left everything to a charity. At least that way I would not have to watch the wolves fighting over left overs.
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