I owe about 50K in credit card debts, cannot find job, rental property is not real profitable right now. If I did not have the credit card debt there would be enough money to live. 1 house, 1 duplex, tons of equity, 75%. I have a second on the duplex.
Your desire to refinance or take cash out of your property has arisen at a time when mortgage lenders are running for cover. I would imagine that it would be darn near impossible for you to find any reputable lender that would give you a secured loan for you to take cash out without any demonstrable income.
A few years ago you could have easily obtained a no documentation mortgage based on stated income, also known as liars loans since most people lied about their income. But these days that’s not happening.
Undoubtedly the best option is going to be to focus on replacing potential unemployment benefits with real income, listen to what Allie said about making a job of getting a job.
The only lender I can think of that might give you an unsecured loan to consolidate the debt would be LendingClub but without any documented income I think even that might be a stretch.
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.