However, the rental property (our old house) is in my wife’s name, her mom contributes 12K a year to pay it off faster, and her mom made us promise not to re-finance or anything
Another wrinkle - are you in a community property state and/or do you have a prenup ?
I’m financially stable, age 46, with a NET worth over 1 million dollars, have life insurance, so I’m not very worried about putting my primary house at risk with a HELOC.
I…my…
Not we, our ?