I've been working on some rough ideas for my Will before I go see my lawyer, and I had always assumed that I would have my beneficiaries continue on with my loans (should they choose to, they could always sell), but it dawned on me it might not be that simple. Can someone tell me what happens in the following scenarios (assuming I have the correct structure, Tenants in Common vs. Joint Tenancy): 1) A property that I co-own, but with joint loans against it - I assume this is the easiest...my co-owners would simply take on the debt 2) A property that I co-own, but with separate loans against it - yikes, how does this work? 3) Properties I own outright, with loans only in my name - even worse than #2 right? It would be a shame if the beneficiary was more than happy and capable of taking on the loan but was forced to sell a really good property because they didn't meet serviceability requirements (e.g. retired or in between jobs). What are my options and what should I do to prepare myself?