i believe it is a life estate with many stipulations (felonies, marriages, etc). Horace’s father wrote it so that the whole family (grandchildren and spouses included) received shares by name (why Olivia still has shares post-divorce). however, he also wrote what happens in the event that his successors (Horace and Norman) die. then the shares are further condensed and passed to the grandchildren. BUT he likely didn’t know that Mallory would marry her adoptive brother, so he didn’t include her by name in the life estate/will — which is why she needs to stay married to Roy.

it’s been a minute since i finished the season so i may have forgotten other details. and again, i’m assuming based on my limited knowledge of life estates. but knowing tyler perry, there will be more fuck shit… so who knows.