She's also not too tech savvy (neither am I), and doesnt know how to research this stuff very well online - especially for her country.We are looking for help to acquire a short term mortgage to secure our retirement home.

Am I correct in this thought? 

What am I missing or not understanding? 

Am I even asking the right question?

Or am i the one who has to do the searching? 

or am i reading this wrong?

The assets can be liquidated, and only tax consequence is the change in values from the date of death --- yeah, step in basis applies to a lot more than just real estate.Oh, and if the heir keep the real property, they are now most likely banking up more deferred tax liability (e.g. the depreciation), the exact characteristic you are trying to get away from via death.Please explain what am I missing (other than I am sure there is more to my argument)? 

Am I overthinking this?

Am I going about this wrong?

As I said, am I overthinking this?