I would strongly encourage you to refi as @Jay Hinrichs mentioned and take her out of the picture completely. 

Currently, I have a Canadian client who wants to buy a hotel in the USA.

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

I have clients as far away as Italy that use this strategy in the Tampa Bay area.

He ended up taking money from clients and I spent about $250,000 out of pocket cleaning up the mess.I have the fortune to have made millions of dollars and have always been action oriented and willing to test out new partnerships.

I have a client with a paid off home worth about 100k-120k, 60k would get her just what she needs.

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

So you want to screen for a good tenant/buyer and not just accept the first party who is interested but has little chance of ever qualifying for a loan and cashing out the owner.Also I strongly encourage you to consult an experienced real estate attorney to make sure you are complying with state laws (specifically your state's real estate commission laws). 

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

Multi-families can be great for cash flow, and is what I do myself along with several of my clients (investor-friendly real estate agent in St Louis) but it's a much more long term approach than flipping.