Thank you so much. Unfortunately we received bad legal advice, and the deed was transferred to us before the sale. Also, my mother passed in mid 2020 without a will; and due to probate and selling preparations, the earliest we could sell was December 2021 (and you know what happened to the real estate market in this time). In the meantime the HOA put a lean on the property and was threatening to push us into foreclosure. So we had to sell. Ah the joys of HOAs. In the end, we had a loss as vs the FMV, but then are facing tax liability on top of that. As long as we sort it legally, that's still ok. Thank you so much for your advice - it clarifies a lot!
