Need to refinance our Rental Condo in Florida by end of year

[Joshua Gordon]

Hello!

We own a condo in Jacksonville, FL that we purchased with Owner Financing.  Our balloon date is the end of this year.  We need help refiancing as our credit scores are not top shape.

The Condo - 

Owe $54,000

Worth $65,000

Brand New - A/C and plumbing

HOA - $198 a month

Rent - Currently $500 a month, after a few small repairs rent will be $700-$750 a month after new tenant in Jan

My wife and I are both employed and stable, just don't have a strong credit score yet. Please let me know if you have any questions.  Thank you for your time.