Re-finance vs Equity line of Credit

[Casey Marley]

I have a commercial loan on a 10-plex in which I'm looking at pulling out the equity to invest in additional properties (BRRRR strategy). My main issue is that I have an early payment penalty for the first 5 years of the loan and I'm only 2.5 years in. Do options exist to do an equity line of credit on commercial properties instead of refinancing to avoid paying the early payment penalties? If so, how comparable are the interest rates? I also recently heard that some banks don't look at whether or not the property is conforming to zoning regulations, but primarily on incomes? It's currently zoned as an 8-plex but is operated as a non-conforming 10-plex. Anyone have any experience on that?