Equity out of investment

[Julia Beresfoes]

I have a rental home that I would like to pull about $90k equity out of however the banks tell me that since it is an investment home and a duplex that getting a refinance will result in higher interest rates, I must loan 70% of value ànd they can only give me about $7-8k out. Home is valued at $250k mortgage is $154k. I am stumped. I do not want to sell and now I don't know what to do. Any suggestions?