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Me, my siblings, and my stepmother were deeded two properties by my father shortly before his death. A house where my stepmom lives, and rental property she tends to. We hold both properties as joint tenants with rights of survivorship, however my stepmom was also given a life tenancy in addition to jtros on both properties. This allows her to live in the house and collect the proceeds from the rental property. Both properties have a few years left on their mortgages. Who is responsible for making the mortgage payments? I haven't been able to find an answer to this question under New York State law.