Strategies to Refi a Property w no Salaried Income
Seeking advice from people smarter than me: 

Wife bought a house in Savannah, GA (in her name only) in 2015, while employed at a college there. In 2016, we moved and turned house into a rental. Value has nearly doubled in that time: now nearly $200,000 in equity in house. She now no longer works. We want to do cash-out refi to tap into equity, but because I have several mortgages in my name, I can’t help. Her parents won’t co-sign out of fairness to siblings. Even worth talking to banks? Other smart strategies? Eager to tap into this to reinvest.
[{"id": "gxua67c", "text": "Sell the house instead of leveraging yourself to the hilt.", "replies": [], "depth": 1}, {"id": "gxuahbz", "text": "This is not a commercial real estate question.", "replies": [], "depth": 1}, {"id": "gxuan8e", "text": "Using rental income to qualify. The rate is a lot higher tho", "replies": [], "depth": 1}, {"id": "gxucg80", "text": "You\u2019d probably be better off posting in r/realestate or r/realestateinvesting.\n\n\nThis sub is for commercial real estate which your wife\u2019s house is not.\n\nWith that said, ask a mortgage broker or banker what they could do given your situation.", "replies": [{"id": "gy2yt20", "text": "Thanks all: first Reddit post and screwed up the thread topic. Appreciate redirect + advice.", "replies": [], "depth": 2}], "depth": 1}, {"id": "gxulzff", "text": "You could get a HELOC on it from a local bank and access the equity that way.", "replies": [], "depth": 1}, {"id": "gy8iraq", "text": "If you have a good amount of liquid assets some banks will grant you phantom income for them in order to get your DTI in line.\n\nOther than that, you\u2019re looking at sketchy/predatory lenders who want the house.", "replies": [{"id": "gy8kd8s", "text": "Very helpful. Definitely not trying to do down sketchy roads as alternatives.", "replies": [], "depth": 2}], "depth": 1}, {"id": "gy8klfc", "text": "Appreciated. Since trying to use cash for down payment in another deal, it seems like home equity loan (one-time cash infusion) would be better than HELOC, no?", "replies": [], "depth": 1}]