how is refinancing going to help you out?
i dont get it correct me if im wrong
your netting 76k a year from your 2 houses, 38k x2
also earn 75k gross (assume 50k net)
pay 330/week in rent = 17160/year
and have 29k of debt in visa? @20% = 5800/year interest
38000+38000+50000 = 126000
126000...