Looking for commercial cash out refi on a brrrr

[Jestin Sorenson]

I'm looking to do a cash out refi on a four plex. I bought under an illegal contract for deed subject to the existing financing. I put $5000 down and put $122k into the property so far. I've converted all the units from 2 to 3 beds. The cash flow currently is $2000 per month. I've accrued quite a bit of debt bringing this property up. I believe it to be worth 480k to 520k. My credit score is low because of the debt. Around 740. Do I have any chance to refi with a 5-6% interest rate and 70% loan to value cash out? Any recommendations for lenders in the twin cities, minnesota? I can't do a residential loan because I don't have the employment history of 2 years. Any help or advice on this would be much appreciated. Thanks