She applied for a refinance which will save her a lot of money and got denied because her HR department would not sign a guaranteed amount of work hours as she has MS and can call in whenever she likes. 

How about you cash-out refinance the duplex, hire a management company, and then invest the money into an index fund?

Russ Lis - Association Reconstruction (Roofing, Siding WONDERFUL contractor) Tom Robison - Insight Loans (Cash out refi)Nancy Lenzen - Trademark Title-All exceptional professionals who I have used for myself and my clients!

She thinks that this has to happen as when we do eventually divorce, if I'm still on the mortgages then she would be forced to refinance to remove me....is this true? 

When I use the BRRRR System in the refinance part of the property , that money is used to pay the initial loan of the purchase property .

Cowger Doing a cash out refinance should not result in a tax bill (income or capital gains) due to the “cash” you are taking out of the property is debt and will be repaid, eventually.You should be able to confirm this with your banker and an accountant.

We're now about to reach the 6 month seasoning period that most lenders require and currently in the process of closing (waiting for appraisals....hence the TBD mentioned in the above comment) on a cash out refinance loan that comes w/a line of credit for up to 4-5x's available liquidity.

We're now about to reach the 6 month seasoning period that most lenders require and currently in the process of closing (waiting for appraisals....hence the TBD mentioned in the above comment) on a cash out refinance loan that comes w/a line of credit for up to 4-5x's available liquidity.

Also, you would have to close twice (at purchase & at refinance).

What if the current homeowner tries to refinance?