I tried posting a similar question in the landlord forum, but I didn't get a response that really spoke to the legal/liability issues with electrical work.I know I need a licensed electrician to do any work in the main panel to avoid a liability issue. 

Do you think there could be any other solutions than replacing the main line? 

It is a way to have your money work at two places at the same time, and on top of it you get financial protection for your family.If you use a third party lender, you can get arbitrage on the loan rate vs the policy rate, and you can also deduct the cost of the interest as investment expenses.It is a long term play, as the front loaded fee will need four to six years before you get ahead of investing without the use of a maximum overfunded permanent life insurance.For whole life insurance, there are mainly four companies that I would recommend. 

I think I can share some information that will help here.Generally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

The first thing you need to understand is the outstanding mortgage balance and any additional liens or late fees.At that point there are two main options:1.

My main question was whether to cash out refi and trying to invest it vs the amount of CF that I’ll be Losing per month.

There's always exceptions to these rules but here's some important things to consider:Generally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

Her main issues are that Evolve does not allow her to change the price per night, and as mentioned earlier, their tenant screening is not great by any means.

My main concern is that they might have trouble paying their rent at some point while being absent from work.Please advise.

Could be “need to move closer to work” or “downsizing” or whatever.Other option to consider is refinancing your current home into a conventional loan if the numbers make sense (main thing to consider is if you have 20% equity to avoid PMI) but that would free up all your VA entitlement.