Best refi product you have tried lately?

[Pete Schmidt]

Picked up a few single family homes in the last few months. They have been remodeled (completely gutted, rebuilt, and ready to be rented). ARV on the first should be around $185k (I have $130k into it with the purchase that came from a private loan and repairs that were put on credit cards with 0% apr for 18 months). The second ARV is around $145k and have $110k into it (private loans to purchase and credit cards to rehab). Having a hard time getting a refi with a local bank since they want to see tax returns and I left my W2 job in Jan. To make matters worse the last 2 years I have taken every penny I made from my previous properties and rolled it back into the properties to generate more income. By doing so I have increased the income from $20k a year to $70k a year, but of course by doing so, its showing the property did not per say make a profit. Mix that with the fact I have not pulled any money as pay from the property makes them all shy away.

What companies has anyone used that dont kill you with the points, fees, and interest. I see a bunch of them on BP being advertised, but am sure there are some that are better than others. I prefer a 30 year fixed, however theses will cash flow fine with a 15 year. Also have excellent credit, although that does not seem that important anymore. lol