Looking for advice in Illinois!

[Jennifer Szoldatits]

Looking for advice! I am located in Illinois and have 2 rental homes. Purchased our first rental a little over a year ago (conventional loan with 25% down) and just closed on our second one earlier this month...

All of our cash is tied up in the second house (purchased with all cash and brrrring) I was under the impression that we have to wait 6 months to refinance to pull the cash back out.. but after checking out a couple sites I am reading that I might be able to refi earlier... just have to find the right bank? Also was just told by a local banker that we cant take out a line of credit for an investment property.. 

Really just wanting to grow our portfolio without having to wait 6 more months.. 

Am I just not talking to the right people?! HELP!