Who do you use for CASH OUT Refi on multi family? Terms?

[Al Y.]

I'm looking to cash out a 3 family property in NJ that I bought cash and remodeled. My main bank says after 1 year they can do 75% LTV based on appraisal. Under 1 year they do 75% of purchase price max... rates for LLC owned property in the low 4's for 39 yr fixed. What ate you guys seeing/doing out there?