My MIL now lives full time with my sister in law. She used to live with her siblings in a condo and is on the mortgage. My sister in law has been paying her third of it but can’t anymore because of care costs. She needs my MIL share of equity for care costs and because she’ll never live there again but MIL's siblings refuse to sell or refinance. And they demand she keep paying. Any suggestions for options?
IMHO (and it is only that; you need to consult a professional, likely Elder Law Attorney) your Mom will need her own POA or person serving as guardian to force a sale on the home. The proceeds will then be divided three ways. These assets will be long to your Mom and she can spend these on a care plan for her care in home where she is being cared for with the help of the same attorney. Forced sale is almost always possible unless it is a married couple. Meanwhile Mom can stop paying until sale of house at which point she would owe those back payments and taxes to those who have been paying it.
Consult an attorney. Mom with Alzheimer's cannot do this. If financial POA has a well written document they can act in court on her behalf, and can force this sale for her care. If there is no POA then too late for that and guardianship must be done.
And more to the point, are they named as equal (fee) holders in the title on the deed?
the 3 are qual on title. 2 are on mortgage. I recommended to cash out refinance the mortgage so she can get her share and be off title as well.