So W once again began suggesting that I refinance the house and move back into it until the house can be sold. She said I made enough money to be able to refinance the house in just my name, but she could not herself with her income. I started again to explain to her that I was not interested in perpetuating being house-poor indefinitely -- that it was difficult enough on two salaries, let enough on just my own.
OK, I saw that one coming way before you posted that! Your W is kind of predictable really!!! OK, I know what your W wants, but what do you want? It doesn't seem like you really want to do this or don't seem like you are very happy about that? I don't think you should do it unless you really want to, as you say it sounds like it will restrict you financially so unless it's something you want to do, I don't think you should do it. And don't let her guilt you, it is her that put your family in this situation and not you, and not your responsibilty to fix a problem she has caused.
But if you do, yeah consulting the Ls sounds like a good idea. Karen