B&B refinance struggle

[Eric Ingvardsen]

I am a 19 yr B&B business owner that cannot seem to obtain a refi loan ANYWHERE. As traditional small B&B's are, my house is an owner occupied income producing property, but it doesn't fit into "residential" loan requirements. Yet with a commercial loan, it can't be owner occupied. Searching for answers - we make a good living but the 30 yr fixed rate with only 12 years has left us with no savings except the gain on the house if we sell. We want to continue this way of making a living but not at this rate. Any advice would be appreciated.