Investor friendly banks in Citrus / Marion County Fl.

[Loyd Frazier]

Hi BP team,

I have a small 2/2 in Beverly hills Fl with no mortgage. Estimated $85000 retail and rents for 850. I want to use some of the equity for make ready on another property. My silent partner (my wife) doesn't like to have more that %50 of the value mortgaged, its more than enough to cover what i have planned. I like  to deal with local banks when possible . So i have called a few local banks but they want to do a full refinance or nothing and aren't entertaining ideas of a home equity type situation with a rental property. I thinks its probably in the way i am asking and what i am asking for that is more of the problem but figured I'd ask the BP community for a suggestion.

Any suggestions for lenders in the Marion and Citrus counties and what i should be saying?