I also assume from your profile that you live either in TX or in AZ, and both of them are community property states which matters.If all of my assumptions are correct, there are no tax consequences.

I'm new to the eviction process in Chicago, so my first thought was TRIAL?!

I will send you a message with my email and information

My first duplex Brrr gave me and my wife over $300k equity fairly fast while also allowing us to live at very low cost in an extremely desirable area. 

Use your $40,000 to buy your way in, learn from some grey-haired guy or gal while on the job, and make a profit. 

So what are my best options on a refinance?

I love the BRRRR method, having scaled my real estate portfolio from just 2 units to 18 in 12 months (From 2 units to 18 Units in 12 Months), and later from 18 to 60 units in the early months of the COVID-19 pandemic (18 to 60 Units During the First 9 Months of the COVID-19 Pandemic).

So I have been having a lot of trouble getting a cash out loan on one of my properties I own outright, and I thought DSCR lending was going to be my saving grace.

My thoughts? 

Instead of going the attorney route, I ended up working with National Debt Relief, and it was actually a game-changer for me.They handled all the negotiations with my creditors and were able to reduce my total balance significantly.