Thanks Brooklyn, I didnt mean illegal by loophole haha though I disagree about flirting..I think we should have flirted much harder to gain us some better rights as property owners :P  

What if one of you dies and the inheritance goes to a relative that wants to sell or can't afford the mortgage or is hostile or moves in and is very disagreeable or moves in & does drugs and sells drugs?

So any attempt to bargain sell to save taxes for the mom will result in a failed exchange if examined.2.

Make sure you account for unforeseen costs and emergencies in your budget.Property valuation: Examine recent comparable sales (comps) in the neighborhood to ascertain the duplex's fair market worth.

I disagree with Rob. 

If they don't respond, start the small claims process.If they do reply and you disagree with their charges, send them your evidence and a clear breakdown of what you want refunded.

Who disagree?

I don't disagree that things are going to happen over time but people always point out the extremes.

@James WiseI respect your opinion and love the fact we can disagree with each other respectfully. 

But where I am, I wouldn't do that unless I had an "attorney sit down" first and have him examine the documents and give advice.