Refinancing during COVID -- accessing units for appraisal

[Krupa Levinson]

Hi everyone! I am in the process of refinancing (fourplex in California) and when I reached out to my property management company about accessing units for an appraisal they informed me that tenants currently have the right to refuse entry to me/appraiser due to COVID.

The appraiser says they can work around this (using copies of leases, past appraisals, etc) but so far mortgage broker says they would need entry to know condition of the units.

For what it's worth, after this cash out refi I will be at 60% LTV, so quite a bit of wiggle room in my opinion, and I have cash to draw on should the need arise

Has anyone else encountered this? Any suggestions?