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My mother owns a town house and I am disabled and the caregiver. If she applies for Medicaid she has too many assets. I want to keep this apartment but don't make enough to qualify for a mortgage. we also have a second rental apartment. I have been told that everything we have to sell everything and put my mom house in my name. I don't know what to do. My mother also claims the rental income because I can't I will lose my benefits. My mother doesn't have to get Medicaid right now but she will need in house caring in the future. I want to know how do I claim the mortgage income in my name without losing my benefits in My mother has dementia. Thank you for your help.

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Don't tell anyone you are a caregiver on disability. That's a red flag and your disability payments will stop. Don't put anything in your name, either. Nor can you get a mortgage. Someone is giving you all the wrong advice. See a lawyer about how she can protect her assets, what a proper spend down involves, but please don't go selling or giving away anything until you see the attorney.
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The rental property will be very sticky to deal with & get approval for Medicaid for your mom. Really you need to get all your & moms property details, both of your financials and spend the $ for an elder law attorney.

Medicaid is limited for those who area"at need" both financially & medically.Having rental property that makes her income above the limit will likely always keep her from quoaify
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See an Elder Law attorney. This may seem expensive when you are so broke, but it is critical to plan ahead and do it correctly.
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