CA has the AITD  and its a robust  debt instrument that is designed for these transactions.

Otherwise with no income you are looking into just buying all cash or using a loan called Debt to ratio income to purchase investment properties where you use the rent to cover your mortgage but you will need to put down at least 25% down of the purchase price.

of course all of those things help cash flow but is it realistic will it work.also your more than 300 negative as you have no money for maintenance or cap ex.the easiest way is to reduce debt. or if you think there is really good upside just pay the negative its just a small number who cares . 

I don't have any debt and I don't have kids or much going on outside of my 9-5 career. 

If you want to lend long term debt, you don’t want to compete and be the cheapest on the block (that’s a race to the bottom), you want to lend on stuff that nobody else (or a select few) will lend on and charge a premium for it.

I want to slow my life down a bit and enjoy the fruits of my labors (I had cancer a few years ago and I acknowledge my time to enjoy life is finite).It occurred to me that I should just cash-out refinance my properties that are fully stabilized and that have significant equity, but that can also easily support the new debt incurred. 

These agreements enable homeowners to access their equity without taking on additional debt.

For example they say they use a special proprietary mold remediation serum that they spray to eliminate any mold growth, but mold armor from the hardware store/ bleach is the same stuff basically.

Most of these companies are fraudulent (not saying they are) and take advantage of those in distressIf you are behind on your mortgage speak to your mortgage company - we buy defaulted debt and nothing good comes out of ignoring or avoiding the conversation.

There are obviously other metrics that have to be met, such as the gross monthly rent has to be equal to greater than the total principal, interest, taxes, and insurance; that is the debt service coverage ratio (DSCR).