Options to ReFi a 4 unit at a lower rate?

[Christopher Grobbel]

Hi,  my fiance and I have house hacked and are currently owner-occupying a 4 unit property in DC.  With rates as low as they are, I'm wondering if anyone knows of options available to refinance?  I know with 4-units it can be tricky.

We have about 1.085M of debt. The property appraised in August at 1.2M so we have 115k in equity, roughly 10%. Our current interest rate is 4.75%. We do not have any PMI.

We are cash-flowing with 3 of the 4 units rented out.