Refinancing investor interest rates

[Manish Shah]

I recently became unemployed and have 4 rental properties that are at a loss because rents in general have gone down. Is there a way to work with my banks to lower interest rate without having to go through a full refinance? My interest rate's low, but I'm afraid with negative rental income and unemployment, I would not qualify for a full refinance, and even if I did, I think the rate would be higher (for investment properties) then I have right now.

I can sustain with my current costs, but I would prefer to lower my costs.

Thanks.

Manish