House Hack Refinance Question

[Pete Perez]

I have a duplex in Renton WA. I am renting one unit out and living in while rehabbing the other.  I am wondering if its possible to borrow equity in the property to finish the rehab?

I owe $330k and ARV is $600k (based on 4 recent sales in the neighborhood). I need about $18k to finish the rehab. Long term goal is to finish the rehab, refinance to recoup some of my out of pocket rehab costs, keep it rented long term.

Can anybody shed some light on what my options are? I have talked to only a few banks and they say I can't borrow or refinance until I complete the rehab. The unit I am living in is partially finished.