We could have therefore remained in compliance with the rules to only have one FHA loan at a time but not needed to wait so long to refinance after the first year expired because the other person would have been eligible to open a second one. 

They can add back "Experiences", take the bugs out and refine it. 

Jessica,One idea is to buy an investment home and let them pay rent and down the road refinance it into their name or buy from you and your husband.

After you’ve added value through renovations, you can refinance the property.

So, if 'weak" on your lease, don't feel bad about buying a template from one better refined, or using a TP service from a provider who has one to level like mine and then, well, you'll have that in hand for all actions going forward, right. 

Why not just do a cash out refinance and add them to title so you can walk away with some cash now? 

Besides traditional banks to access the equity via HELOC or refinance, what other programs are there via private lenders that will allow me to access that equity?

You can refinance with a loan that uses your personal income and debt to income / DTI ratio or a DSCR loan that will use the rental income to structure the loan. 

I was thinking about an strategy of doing Cash Out Refinicing putting that money in the stock market (distributed in ETF and some "safer" stocks) to get around a 6% anual return (estimating that low because is the "standard" average, however my current stock portafolio has a cummulative return of 66% in the last 4 years).

If you have been waiting to refinance your home to pull out cash because of a 2%/3%/4% rate you will be happy with the rates enough to act now.