I understand. Can you copy the document and email it, if not we will work around the situation.
My concern is the duty for upkeep of the property.
The laws requires that “A life tenant has responsibilities while using the property. Because he or she is not the true owner, he or she must maintain the property for the remaindermen. This can include general upkeep and necessary improvements. The life tenant may also be financially responsible for the home, including payment of the mortgage, utilities, real estate taxes, and homeowners insurance.
A life tenant does not have the right to sell the property outright, but he or she can sell her life interest in the property. In that case, the buyer would own (and be responsible for) the property for the rest of the life tenant’s life. A life tenant can also rent or lease the property.
During the life of the life tenant, the remaindermen don’t have a right to use or sell the home, nor do they have any responsibilities for its upkeep. But because they own a future interest in the property, their creditors can put a lien on the property and then act on the lien after the death of the life tenant.
As you might imagine, there can be tension between the life tenant and the remaindermen. As the ultimate owners, the remaindermen may put pressure on the life tenant to maintain the integrity and value of the property. And the life tenant may be less inclined or incapable of meeting those expectations. However, if the relationship between the life tenant and the remaindermen is good—for example, if they are a parent and child or siblings in good standing—then they can all work together to maintain the property for everybody. For example, the remaindermen may see the benefit of investing in improvements in the property during the life tenant’s use of it. Or they may all work together to sell the property, if needed.
If the home is too much for you to maintain you can sell your interest in the life estate. That may not be an option you would prefer so we can discuss other options as well.