An often discussed mechanism in medicaid/nursing home planning is the IIOT, an Irrevocable Income Only Trust. Aside from nursing home issues and look-back periods, we need to first ask about financing issues. Consider whether the Trustee might ever need to obtain financing on the realty, perhaps for a new burner or roof. Most Lenders will not mortgage realty owned by any Irrevocable Trust. Would deeding realty into an IIOT make a pre-existing mortgage ...Read More »
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