What about mortgages and escrow accounts?

Read the Deed:

John Doe and Sally Smith JTROS (joint tenants with right of survivorship)

or

John Doe and Sally Smith TIC (tenants in common)

Community Property doesn't seem to apply to this deed. Read the Deed.

JTROS means, if John dies, Sally gets all of it. If John buys out Sally, that is going to affect the Deed.

TIC means John dies, and Sally has a new property owning partner. Or, John can sell to Sally, because the property is separate halves.