Hopefully, I can find a couple deals to make 20-50k this year and pay off more high priority debt or roll it into more assets depending on where I’m at with everything.So that’s me.

You better move rapidly to come up with funds to pay off the debt, or you will be evicted from your home.

I’m thinking maybe this can keep her record free of any additional debt or could take another mortgage loan out in her name later down the line ? 

It would take an outstanding display of courage and fortitude for anyone in the current position of power to maintain or raise rates to "correct" or truly influence the current debt or fiat future outlook. 

With 4 said, we were invested in midterm debt or liquid products. 

@Todd - I think the heart of your strategy question is based a slight misunderstanding of the 1031 rules.You must replace the total value of what you sell with the net proceeds from the sale.You can replace debt with debt, or equity.You are taxed on your capital gain in addition to depreciation recapture with no regards to your loan to value at the point of sale.

This Trustee can usually go back 6 months to capture payment made by the debtor, as happened to Jay.

This is an artifact of pure fiat currency systems that advantages debtors/borrowers over savers/lenders.So, while not technically "appreciation" of the house itself, it is depreciation of of the loan, making you richer than you would otherwise be.

Even though my full time salary is almost same business income is going into negative making overall income lower and refinance process harder and lender underwriter saying i may not be qualified unless i lower credit card debt or have more income in tax returns.

The irrevocable trust conforms to Utah Code 25-6-14 as well as Internal Revenue Code 541(c)(2) and is considered a restriction on the transfer of a beneficial interest of the debtor in a trust that is enforceable under applicable nonbankruptcy law - and thus, said restriction is enforceable under federal bankruptcy law.