[jimmux]

I'm not in the US so rules are different here, but that's somewhat the situation for me as my mother's "landlord". My mum also insists on paying so she can feel at least some ownership in the property.

There are other factors. I make a loss on renting this property, which has to be reported for tax reasons. If I was charging below market rates it could raise flags. Because my mum also receives an allowance as full time carer for my aunt, it additionally allows them to also claim a bit in rent assistance.

This felt a bit off at first but I have confirmed it's all above board. Better than paying off someone else's mortgage. Most importantly, a few years ago my mum was homeless and my aunt had nobody willing to care for her. This way they have a secure roof over their heads so I have no regrets.

Then there's my brothers who have moved in rent-free while they get back on their feet after a rough patch. It's tough for a lot of people out there, so we have to do what works.