how can someone refinance a property with a SALARY JOB ?

[Isiah Ferguson]

Hey BP.

I was wondering is there a way I can refinance 2 properties that I have which are both free and clear WITHOUT a job. I looked into a hard money loan which based off an individuals' assets in total and it is a 30 year fixed but the interest rates are between 6%-10% depending on my credit score. I think the rates are too high. Do you guys have another way I can go about this ?