Credit score too low to Cash-out refinance

[Anthony Martinez]

Hey guys,

I recently finished renovating some properties in Jacksonville, FL (Neptune Beach). I had to take out some lines of credit in order to fund the properties which I had out longer than intended due to Covid and it really hurt my credit as well. Now I'm having a hard time finding a lender to do a cash out refinance. The numbers make sense as I've laid out below, we did really well on the properties themselves, but I need to find a lender that can look at the end product of this refinance instead of a low credit score up front ( I've tried about 10 different banks). Any suggestions would be greatly  appreciated. Thank you!

Property Values: 3,020,000

1,300,000 (triplex 1) rental income: 6,250
1,300,000 (triplex 2) rental income: 4,000 ( we live in one unit which would rent for 2,600)
420,000 (single family) rental income: 2,400

Current Mortgages: 1,512,000
 560,000 (triplex 1)
 712,000 (triplex 2)
 240,000(single family)

LOC and credit card Debts: 245,000

(Property Values x 0.75LTV) - (Current Mortgages) = 753,000 - (Debts) = 508,000
$508,000 Cash out after all debts have been paid