One solution could be a Debt Service Coverage Ratio (DSCR) loan.

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card. 

Debt service at roughly $20K.

If it does go to probate, hopefully your brothers and you can amicably go the informal route vs formal (I've worked with families in both when buying properties out of probate and informal is FAR easier).Since there's no debt on the house, maybe you could sell with financing or maybe you could even buy out your brothers with financing -- that way you maintain ownership and just pay them a monthly amount.

If you take a loan to pay for your mother-in-law you are taking on that debt in your name.

I've done a lot of DTS marketing and found that almost all my leads were either tire kickers or if they actually wanted to sell, the property had so many entanglements (multiple family members involved, tons of debt on it, municipal liens, etc.) it wouldn't even be worth it.

So if you are not cash flowing and there isn’t appreciation then the only advantage you are getting is debt pay down.

Most of our clients raise capital as equity vs debt, but both are done.

Confirm with the solar company if the loan is transferable and review terms carefully—it’s a potential hurdle with lenders or resale.A DSCR (Debt Service Coverage Ratio) loan might be an option since you’re focused on rental income.

However, I also have ways for them to pay with cash, card, money order, cashiers check, and personal check.