but where we still get out the money we put into it.

How difficult is this scenario: We add our daughter & her husbands' names to the title of the home. In 6 months the house is refinanced for the loan balance plus the money we put into the house. In the refinance our names drop off the old mortgage (their names are not on the mortgage currently), and their names are the only names on the new mortgage. Our names also come off the title at that time. This leaves them with a new mortgage and sole names on the title. The HCBW and I are out of the mortgage/title picture.

How difficult is this path to their purchase and our exit? Other options to sell them the house with the knowledge that they would not be able to come up with a 20% down? We could gift or loan them the down, but that doesn't get us our money back out of the property.