Otherwise with no income you are looking into just buying all cash or using a loan called Debt to ratio income to purchase investment properties where you use the rent to cover your mortgage but you will need to put down at least 25% down of the purchase price.

I want to slow my life down a bit and enjoy the fruits of my labors (I had cancer a few years ago and I acknowledge my time to enjoy life is finite).It occurred to me that I should just cash-out refinance my properties that are fully stabilized and that have significant equity, but that can also easily support the new debt incurred. 

These agreements enable homeowners to access their equity without taking on additional debt.

My goal is to be financially free, travel the world, have no debt or college loans.

CA has the AITD  and its a robust  debt instrument that is designed for these transactions.

Most of these companies are fraudulent (not saying they are) and take advantage of those in distressIf you are behind on your mortgage speak to your mortgage company - we buy defaulted debt and nothing good comes out of ignoring or avoiding the conversation.

Rent out a unit and live for the remaining year, likely paying oop for a portion of debt service or operating expenses• Holding costs have been recouped, then save remaining funds, after my oop costs, for remainder of the year or until desired saving fund reached7.

On the other hand, there’s a part of me that wants to just keep slow and steady without leveraging more debt and buy properties as I can save a 20% down payments.

There is a time and place to be lenient and forgiving on things within a lease, when someone is not respecting something big like this, you have to unfortunately be firm. 

A lender would have to be a fool to lend on collateral that wasn't protected - if the house is lost in a fire or whatever, the loan is unsecured at that point and is basically credit card debt.