Advice on how to find funding for refinance

[Chris Lounsbury]

Hi Everyone!  I am having a little bit of trouble refinancing a property I own and hoping someone has run into this before.

I invested in an over/under duplex 2 years ago and did the BRRRR method. Bought it for cash, rehabbed it, rented both sides and then refinanced. Unfortunately since the property wasn't seasoned, I had a hard time getting conventional funding on it, and instead went with a private company to refinance the property. Our terms right now are 7.95% (adjustable after 5 years) 30 year mortgage. I really want to refinance this property again with a better mortgage now that the property has seasoned for a couple years and is surely rent stabilized. I also want the property to qualify for refinancing without having to use my personal income or tax returns to do so, as I am a 1099 employee and have only been at this job for a year so I really wont qualify.

I talked to a bunch of local banks and they all basically told me that I need to come in person to meet with them.  This doesn't really work with my schedule and it being pretty far away.  I called Quicken Loans and got through about 90% of the process and then they told me I wouldnt qualify because they needed to use my tax returns.  I write off as much as possible in my tax returns so I don't look good in Uncle Sam's eyes. 

Basically, what I need is a bank or lender that can qualify the property by looking at Rents vs debt service.  The property is a cash flowing monster.  It shouldn't be this difficult.  We are bringing in $1700 a month in rent on an $80,000 mortgage.  

If someone has any ideas on how I should handle this, or have dealt with a similar situation, I would greatly appreciate it. 

Thanks!!!