Here’s something else to think about. My dad passed away in 2014. My mom passed in last February. After my dad died, we contemplated adding my brother and I to the deed of their property so as to not lose it one day. My mom ended up getting dementia and spent the last 4 years of her life not even living there. However, my parents were very frugal and we were able to to pay all medical care and bills with cash. When my mom died there was less than $1K in the account. We just closed on their property yesterday. If we would have put our names on the deed in 2014 we would have to go to that market value and anything over that would be a capital gains to be paid takes on. Since we didn’t, it is compared to todays present market and it 0’s out. But if my parents had not saved money like that had(and we had to sell another property) I guess we would have lost their property. Definitely something to think about though.