How do I cash out refi a property with one year of tax returns

[James A Spear]

There is a little more to this post than I could fit in the title. 

I purchased a duplex in cash for $96,000. From market analysis I suspect the home will appraise for 125-135 conservatively. 

The rents are 1,000 and 700 ( how I negotiated the price was rent locking the lower unit for one year, stipulation from old owner).

I started as an agent in another state February of 2020, just before the pandemic. I have a solid income but want to know how to cash out refi so I am in position to purchase more properties.

I understand that I need to work with a local bank, most likely. However what loan products specifically should I be inquiring about? Also, 12.1.21 will be the first month it is fully rented.

Thank you!