Where to get a refi for a rental while retired?

[Jim W.]

Hey everyone! I have a duplex in Stow, OH that's been serving me well since 2015. I have a 30-year note on it at 4.75% - not awful, but the lower rates have me drooling.

I think I have two problems though:

1) I'm an early retiree. I left my job at the end of 2018. I have a net worth that should cover our family for the rest of our lives, but a lot of the banks want W2 income. I don't know if I can just leverage the rental income as income - it brings in ~$1500/mo in rent and the mortgage with taxes and insurance runs ~$750.

2) I only owe a little less than $65k on it (it's worth about $125k-$150k). I think a lot of the banks don't want to bother with small potatoes like this.

We have excellent credit scores (800+). I had tried a couple of places before but didn't get very far (Quicken Loans and a mortgage broker). The reasons above were the problem from what they told me.

Any thoughts on how I could take advantage of these low rate opportunities out there? As a side note, we're currently living in Panama so in-person visits are a little more problematic.