Refinancing 2 and 4 plexes non owner occupied 6 y after chapt 7

[Todd Harvey]

In bay area, Im equity rich, cashflow rich (and finally able to show 2 strong years of casflow from self employed income and rental income on tax returns), decent credit;

Ive a chapter 7 from march, 2012.

Ive a 4 plex and a 2 plex in the bay area i want to pull cash out of. (Im a renter with my family).

What are my (best) non owner refinancing options. Ideally, i want a HELOC, so i can pull money out to diversify in other markets. 2nd choice would be 2nd loans.