DEAR BENNY: My ex-husband died two years ago without a will. He left our two daughters as the beneficiaries to his life insurance, but he owned a townhouse also, and my daughters have since renovated it because (of) years of neglect.
Currently, my eldest daughter and her husband are living in the property and paying the mortgage payments (her younger sister is a senior in college and resides on campus). The property is beautiful now and the mortgage has been paid on time. They cannot refinance the property because they own a rental property and will not qualify to carry both mortgages.