Passive Income count as Income for my wife to qualify to refi

[TJ Moreno]

I am maxed out on my loans. My wife has her property she bought prior to our marriage and is her sole and separate property and only on her credit report. In terms of working, she manages our portfolio of properties and for this, she “draws”$4500/mo from our rental account to our personal account. The issue is that this is passive nontaxable income. She wants to refi and take advantage of the low rates and her credit score is 800+. it as an investment property but doesnt have per se qualified taxable income. Any solutions or lenders out there. Property is worth about $350k and she owes $136k on the 1st and owes $104k on a 2nd so plenty of equity.Current Rates are 4.5 and 5.85. Wanting rates around 3.85 and consolidate to 1 loan (i am getting that rate on an investment cashout refi) as i am a W2 employee