Is anybody getting 75% LTV on cash out refi of a multi unit?

[Tony Salemi]

Trying to do a cash out refi on a duplex. To get to where I want to be, I'm looking for 75% LTV. Fannie/Freddie is 70%. It's like I'm asking for the moon. Even the local banks are no help. What are others finding?

Specifics:
Chicago far west suburbs
Current appraisal: $175K
Current mortgage: $90k
Credit score:800+
Liquid cash on hand: $75K
Personal DTI:<20%
Total DTI not including rental income:<30%

I would think this is a home run.