Estate tax return filed correctly in 2018 for year of death but the sole beneficiary has subsequently been reporting rental income on her personal return. However both the property deed and the mortgage are currently in the name of the " Estate of..." because the mortgage company has decided that the beneficiary does not have enough income to justify the mortgage amount. Note- The rental lease lists the beneficiary not the Estate as the lessor.

Is there any "audit-justifiable" reason to allow the reporting on the personal return to continue rather than filing past 1041s and amended 1040s?

Aside- anyone know of a consumer advocacy group that might help the beneficiary to assume the mortgage and to get the property in her name?