Looking for lender recommendations

[Jon A.]

We own a duplex with a DSCR of 1.5 (from what I understand) and about 60% equity. When the pandemic hit we took out an equity line and I pulled all the cash out and put into a savings account out of fear that they would cancel the equity line if we did not use it. Our DTI is obviously a problem at this point. I am assuming due to the HELOC and the fact that we are both self employed. I am looking for a lender that can help us refinance both loans into one fixed rate as the HELOC has a variable rate attached. Does anyone have any recommendations for a lender or any advice on how we can restructure these loans? For example, pay off the heloc maybe to reduce DTI? We need a lender that is able to have a converstaion about what we are trying to do and not just a website that we punch numbers into and wait on a phone call only to be rejected.