Preparing for my first cash out refinance. Not fun...

[Howard Montaque]

So I have been driving myself nuts working on the duplex I "house hacked" before I knew it had a name. New kitchen, dealing with tenants schedule, changing the new stove from gas to propane, ect. I owe $150k. The most recent comp nearby was $235k and there is a triplex for sale for $330k so its kind of all over the place.

So when I ask banks about the cash out refi I get the question, Is this an investment home. Yes? Ohhhh Ok. Followed by a low 70% LTV. Now I keep hearing 80% LTV, even 90% LTV in podcasts! but that has not been my result. Should I be looking for something or saying something else.