Do sin befall the children and the mother who live in a house mortgaged with an usurious mortgage?

"What is meant by the father mortgaging his house in exchange for a rent he pays to the homeowner is unclear. If the father borrowed money and made his house a mortgage in exchange for the loan, and pays rent to the mortgagee, then this is usurious interest, which is forbidden. The mortgaged property belongs to the mortgagor, and its yield is for him. The mortgagee is not allowed to benefit from it if it is in exchange for a loan. This is a form of deception to engage in usury. However, living in the house is a right of the father, and there is no sin upon the children for living in the house. The sin of the usurious loan is related solely to the father's responsibility. The questioner should advise the father and gently forbid him from engaging in usurious transactions."