Creative financing solution needed in KCMO

[Wouter Erwee]

I have two SFH in KCMO that I need to refinace out of hard money loans into a 30 year product. Each tenanted at $1k. They recently appraised at $125k and my loans are about $100k. The lender did not allow me to roll the closing costs into the loan, and needed about $15k of closing costs for each house. I unfortunately can do that right now.

Looking for someone that is a little bit more flexible on LTV with some creative options.

Any thoughts or recs?