Refinancing options when LTV is too high

[Schnavya Bullock]

Newbie here!

I purchased a duplex in the Atlanta area. After doing repairs I am told my ARV should be 165k this is entirely too low considering my pay off is 130k I underestimated refinance requirements. What options do I have in terms of still being able to refinance? My loan is due in 5 months and I prefer to buy/hold it and not to flip it

Any advice is greatly appreciated. Thank you!