Good morningThe parents hold the mortgage notes on their children's homes. 

This was the home we raised our children in and have held on to it to avoid capital gains tax. 

It was already a MTR, listed on Furnished Finder, so we bought the furniture and furnishings too.

I also gave him all my furniture for free and have been very fair to him. 

However since he has no children me and my brother would currently receive it in inheritance 50/50 BUT if I put the 10% down then 90% will be split 45/45 leaving me with 55% only gaining 5% if I was to not invest anything.

Besides extra amenities, better furniture, location etc.

You can’t add value to stocks, they don't cash flow, they can’t be insured, no depreciation for taxes and so on.There are RMD requirements on traditional retirement accounts which makes it difficult to plan to pass on to children.

You ay find that your children does not really care what you do with it.

I've got a pretty expensive remodel with furniture so I only want the right crowd.

Will see condition when they leave.. although the house is all tile floors and furniture is not high end or anything.