HELP! Refinancing an out of state multifamily from Washington DC

[Patrick Reynolds]

Hello BP Community! I have relocated from Worcester MA to Washington DC and am finding I made a huge mistake in the process, and cant seem to find a solution.

I had house hacked a triplex in MA in 2016 as my primary residence intending on using the BRRRR method when I was ready to scale up to my second property. In that time the house I bought for $216k had been appraised for $300k and I got engaged, I took out a home equity loan of 15k to finance our wedding as to not touch our reserves and have been paying that down. My job was transferred down to Washington DC before I could do a cash out refinance and I put a tenant in the unit I had been living in. Now the property is considered an out of state rental and I am not having any luck finding a bank or credit union that will help me do a refinance or HELOC on this property despite the large amount of equity I have in it.

My goal is to find a lender that can do a refi so I can drop the PMI I have on the property and get a HELOC as I am ready to start looking for our next property, which most likely will be our new primary residence. Does anyone know of a lender in the DC area that would be able to help me out?