should we refinance a paid off rental property to pay off primary house
The rate your offered on a investment property will be higher than on your primary residence. I know the tax write offs on a investment property are better but you would need to talk to a CPA about the tax implications. I would not pull money out of my paid off property unless I had too but everyone has there...

Can I refinance my mortgage after bankruptcy?
It depends if it was Chapter 7 or Chapter 13.With Mountain West your looking at. After the discharge date you must wait 7 years for non conforming, 4 years for conforming, and 1-2 years for VA or FHA loans.