Cash out refi

[DeAndre Mason]

So I’m in a bit of a bind, I have a duplex I’m house hacking we remodeled entire thing, new hvac, electric panels, electric main, updated plumbing, water heaters, furnace, install central air, roof. Two complete interior remodels, new retaining wall.

We bought for 200k I know there is a good bit of equity but didn’t get appraisal (~350k). The issue is I need a little capital due to another renovation but I can’t cash out refi the lender cause my credit took a dip just below 660. Now I have equity locked in and couldn’t qualify for a heloc due to credit as well. How do I solve this. I paid for the renovations with cash and now since my credit is 2 points below I can’t get money out???! Wtf.

It's a duplex that I have a primary Va loan on in my personal name. To do the cash out refi I want(leaving more cash in the deal than taking out) I would only have a $200 increase in the PITI. I also have a renter in there providing me income. But the lender won't refi me ?!