GP is not forcing the retiree to move. GP is instead advocating retaining the use of property while reducing the cash flow burden. Asking someone to get a cash out refinance is not morally bankrupt; it is a pragmatic and fair solution. Some states also have deferred property tax schemes; these are even better. It is only fair for someone who, by luck, paid $100k to get a house that is now worth $500k and lives in a neighborhood that is now far better than when she bought the house.