Told Cash Out Refi for Investment Property not available in PA

[Keith Garrison]

I am in Philadelphia PA.  I have a rental property that I just rehabbed that was appraised this week for $105,000.  I own the property outright but two credit unions have told me that cash-out refi is not offered for investment properties.  I only needed $50,000 and I was offered an equity loan at 9% interest over 15 years!  The property is empty but I have a tenant moving-in on April 15th for $1200/month. 

My credit is not a factor as the score is above 740.  I was wondering if there are any national banks that will offer a cash-out option for investment property, without giving-out my information to every loan broker with an email address?