Refi investment property-NC

[Alex Rivadeneira]

Hi all, thank you in advance for any advice or assistance provides. I truly appreciate it. I own a 3/2 town home in havelock, NC right outside the front gate. I purchased it back in 2006... My loan terms are so horrible it should be a crime-- but I was a young knucklehead and went in thinking I could refi later: Purchase price: 95,000 80,000 first @9.75% 15,000 second @ 13.5 % I've worked my tail off and paid off the second... My current balance on the first is 79,500 Current estimated market value is 85-90k I know I need a better LTV to refi, I figured I could pull a small personal loan perhaps and improve my LTV-- anything to get out of this 9.75 % IR because it's killing me. Please help. Any advice welcome. Other details-- Never had issues renting the place My loan is not Fannie Mae or Freddie Mac I have a foreclosure 6.5 years ago on my credit. Current credit score is ~ 710 Solid income