My husband and I own our businesses and are concerned about the debt load. 

We've been consistently paying down these cards (never a late payment) for a little while, and if we decide to refi-cash-out we'll be reducing our monthly out-of-pocket expenses by 1000-1100+ possibly even more (even after the increase in our mortgage payment), so I totally hear what you're saying, I'm just not concerned about not being able to pay the payment.

My only concern is what else hasn't been disclosed though a well-drafted contract should protect you. 

If you are concerned about losing benefits under Prop 58 or Prop 13, that can represent huge dollar amounts that it is worth paying someone to opine on your specific situation. 

My biggest concern is the growing lack of good domestic NPL inventory.

In moving forward what other things we should we be concerned with? 

Still $20k out of pocket, but less than the $40k.My main concern with investors taking on ACV is that their agent has not walked them through all of the claim examples for the investor to make an informed decision. 

If your not too concerned with cost, I'd check out McNees.

That would be my only concern unless you have a lot of experience. 

It sounds like you’re doing what you can to rectify his concerns.. but if he is not cooperating- then what else can you do ?