Contributing to family’s conventional mortgage

Assalamu alaikum Shaykh, I was hoping to get your advice on a mortgage/riba situation involving my family. I generally follow the Hanafi madhhab, but I would also appreciate knowing if there are materially different views among other Sunni scholars. My parents and brothers collectively own three homes, all currently financed through conventional interest-bearing mortgages. My name is not on the title or mortgage of any of them. We function financially as one family unit: my parents, brothers, and I each contribute toward the family's overall housing and living expenses. At present, my wife and I live in the basement of one of the family homes ("Pringle"). My parents and one brother's family live upstairs, while another brother lives in a second home. The third property ("Stonecutter") is currently rented out and roughly pays for itself. My wife and I are now expecting a child, and my parents would like us to move into Stonecutter. We would take over the upstairs, while the basement would likely remain rented to tenants. Doing so would increase the family's housing costs because we would lose the upstairs rental income, and I would contribute substantially more each month toward the family's expenses. My main concern is that Stonecutter would still have a conventional mortgage. I have always personally tried to avoid taking or signing an interest-bearing loan. Since I am not a borrower, owner, guarantor, or party to the mortgage contract, would I nevertheless be sinful for living there and contributing money to my family while knowing that some of that money is ultimately being used to service the mortgage? Is this meaningfully different from my current situation of living in my parents' mortgaged home and contributing toward family expenses, simply because Stonecutter would effectively become my own household? A related concern is that I may eventually inherit a share of these properties. Does the fact that I may ultimately benefit from the equity in a conventionally financed property change the ruling on what I should do now, or create an issue with the inheritance itself? I have also looked into Islamic financing alternatives in Canada. Manzil appears to use fully Shariah-compliant funding but is significantly more expensive. Aya Financial uses a structure intended to create a Shariah-compliant purchase/financing contract, but its underlying funding comes from a credit union. Since I am not presently a party to the existing mortgage anyway, am I Islamically required or strongly encouraged to have my family refinance Stonecutter through something like Aya before I move in? Or would that impose a major financial burden without changing my own responsibility for the original riba contract? If changing the financing were required, it could potentially make keeping Stonecutter financially impractical and require us to sell the property and separate some of our family's finances, which would create significant difficulty for everyone. I do not want financial inconvenience to become an excuse for something haram, but I also do not want to impose obligations on myself that the Shariah does not actually require. So, in short, I would especially appreciate guidance on: 1. Whether I am personally sinful for living in Stonecutter and contributing toward family expenses while its mortgage remains conventional, despite not being a party to the loan. 2. Whether moving into Stonecutter is different Islamically from my present arrangement in Pringle. 3. Whether my potential future inheritance/benefit from the property changes the ruling. 4. Whether I should insist on refinancing through an Islamic financing provider such as Aya or Manzil before moving in. 5. Even if I am not technically sinful, whether there is a legitimate concern about benefiting from riba affecting the barakah of my wealth/home that should lead me to avoid the arrangement. JazakAllahu khayran for your time and guidance.