Problem Getting Out Equity

[Quan Booker]

I purchased a duplex for 165k 2 years ago. Remodeled kitchen and bathroom along with adding a garage and now it's worth 250k.  I ended up using some personal loans to accomplish some of this.  I planned on refinancing/heloc to pull the money out to pay off the loans and put down on my next property.  The problem I have is my debt/income ratio is too high because of the loans I heard from one lender. I just want to pay off the loans with equity.  Not sure how to proceed besides slowly paying down my personal loans until I can get a refinance/heloc.  Any suggestions?