I'm not sure what your question is.
You and the woman are in fact joint tenants with rights of survivorship (JTROS) even though she does not live there. A concurrent estate or co-tenancy is a concept in property law, which describes the various ways in which property can be owned by more than one person at a given time. If more than one person own the same property, they are referred to as co-owners, co-tenants or joint tenants.
In this situation, the woman file a Petition sometimes referred to as an action for "Partition" and ask the court to order the property be sold so that she can receive her one-half interest. It sounds like you would have a good counter claim for the funds she took from the refinance.
I would definitely suggest retaining a property law attorney licensed to practice in your state who can defend you against the lawsuit.
Best of luck!
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