Lolif you pay taxes on a ssn that isn’t your own how is that not identity theft?  

@Jon Holdman gives you both sides of an identical scenario.  

I thought that a land trust is transfering title from a property, helps identity protection, but in case of death the land trust is still surviving, which avoid the probate,Capital Gain taxes and Prop 13 8n California, because there is no Change of ownership.

Miraculously, they provided identical answers.

The property is currently operating as a 6-unit with two identical illegal 1bed, 1 bath basement units.

Primarily that you will now cut your monthly cash flow since debt service will increase with a higher principal (unless you refinanced into a much lower rate environment)However, Cash-Out Refinances are riskier for your Lender for a few reasons, so they will typically charge a higher rate / points for the privilege (versus an otherwise identical loan thats a rate-term refi or acquisition)Why are Cash-Out Refinances priced higher by the lender?

Minimum property standards to refi with an Agency mortgage are identical to minimum property standards to purchase with an Agency mortgage.

Apartments.com uses TransUnion for soft pull credit reports, so you will get the identical report you would get through Smartmove.

I think what you have here is an identity issue to resolve.

@Jim Y.We all want an identity.