When my mom passed away she wanted me to get the house, it's currently in her husband's name. He's been super amazing and keeping it for me. He doesn't want anything to do with it makes him sad. There's about 150 000 left on the mortgage. Current market price is probably around 250 000 maybe 300 000 ( it have super nice kitchen my mom made for it). To be able to get the mortgage in my name I'd have to have a cosigner, my fiance is willing to co-sign with me but I don't know if it would be better to keep the house or sell it. We would never live in it unless we were retired and it was paid off. Currently there is a family renting it, I'm not making any money off of that they're just paying the bare minimum. So any repairs that are needed are coming out of my pocket if anything big happened I would not be able to afford it. If we get the mortgage in our names then we could get a 25 year mortgage on it and start making money. I dont know what would be better long term for me and my fiance.