The owner inherited the property from his mother owned free nd clear.

To give some more background on the other 2 co-investors, they are my mother and brother.

The guy in the movie, "The big short" hit the mother load.  

I infuriated my mother on a cruise ship once because she gave me a few hundred bucks to spend at the casino...I played two rounds of three-card, won, and walked away!

My mother and sister recently moved to Omaha, NE and will be there for the next 5 years since my brother in law is doing his residency there.

I had a nice administrative nursing job at the time, but every time my pager would beep, it was more likely his school or his daycare telling us to come get him.I ended up having to quit my job to stay home with my son as we could not keep him in school or daycare. 

Hi @Gala Klein based on the information given you should be able to refi as long as your mother can qualify in the future for a loan and there's equity.

She has 4 children, single mother, so we said as long as you pay rent, you can continue month to month until you find a place or we need to give you a 30 day notice.  

Every other weekend I'm actually not inside my house at all because I go out of town too spend time with my son, to whom the mother has custody of and I have visitation rights.

That's why we accountants have the most job security after nurses and drug dealers.