Should I apply for a refinance before or after I retire?
Hello: It is preferable to Refinance prior to retirement as your Income will help qualify you in the Lender's eye. Don't mention retirement to them to avoid their possible questions.

How can I refinance an underwater investment property?
Hello: Very few companies will try help you out in this situation like the answer below. I work with one of them but only for jumbo mortgage holders that are Underwater by 20% or more.