What would you do? Refi cash out on both investment and primary?

[Carol Burns]

I am NOT a sophisticate investor.  So would love some advice.  What would you do??

Primary residence:  owe $156,000,  market value  $275,000 , existing 4.375% for 30 years, 28 years left;  have a new locked in refi rate of 3.125% no points for 30 years with cash out

SFR : owe $105,000, market value $250,000, existing 6.25% 30 year loan, 22 years left; new locked in refi rate of 3.625 no points for 30 years or 3.5% for 20 years with cash out Current rent is $1600 (if I put in $10,000 to remodel, could get $1900.

I have another single wide on 1.5 acres paid off, market value $100,000.  Current rent is $575.  

Current credit card debt of $9000.  No other debt

What would you do and why??   Would you refi both?  Would you take out as much cash as you could?   ANY advice greatly appreciated!