CASH OUT REFI VS CREDIT LINE on investment propertys??

[Fred Gonzalo]

Hello BP,

Just wanted to know which one would be easier between cash out refi vs credit equity line ...Im trying to get money from my rental property i own free and clear but I dont want to waste the underwriters time..my credit score is about 680 and my credit cards are pretty high .  Is one easier to work with? meaning does bank really go in depth and look at debt and annual income before they loan on a paid property??

thank you so much