Advice for brother/sister real estate portfolio

[Giovanni Modica]

So I’m a Disabled Veteran and co-own a house with my younger sister (I own 75% but we split the mortgage). My sister is about to acquire a second home in the same military town as the house we own, valued at about $180,000.

She is a financially struggling (<$36000) single mom while I work in tech. Selling the home for a $90,000 profit would make a significant difference in her and her children’s immediate financial situation. She has lower credit, so refinancing the loan into her name doesn’t lead to the best rates, and the mortgage would be about $1000 while the rentometer rate is avg $1200.

Should we keep the property and try to keep building a real estate portfolio with my family so that my sister can have a future with assets, or would it be better to ease the financial strain and invest most of the profits into a portfolio?

What would be the best structure for us moving forward (I.e. family trust, LLC, etc.)as I'm also trying to convince my mom to "sell" me her house (same city) when she retires to Florida.