Cash out BRRRR in Central Jersey - HELOC or cash out REFI?

[Brian Stike]

Hi all, 

Question is 2 part:  

Just finished Rehab on a property in Ocean Co that I got for 110,000.  Tenant moving in November 1. 

Comps are in the high 160, low 170 range.  I did about $18,000 in repairs.  

I'm looking to pull the cash back out and pay myself back from the reno and of course start looking for the next one. 
I've worked with a mortgage broker for a few past deals who is from a pretty big national company.  
I emailed him LAST Friday, asked him to help me out with some options.  He quickly named a few, then said "I'll work on it Monday and get back to you". That was 5 days and 2 reminder emails ago - no response still.  
So I'm moving on. 

First part of the question - I've found HELOC rates, recommended elsewhere on BP, for non-owner OCC from Pentagon Federal CU. 80% LTV and 6.25% variable APR. I do qualify for Pentagon Federal CU membership. Does anyone know of any better interest rates or LTV rates or have you worked with another HELOC that you recommend?

Second part of the question - The "VERY BRIEF" conversation I had with my mortgage guy a week ago was "a cash out refi will be better in the long run".  I raised the question about pulling title, closing costs, points, etc and he said "The costs would be minimal on a small cash out like this, I'll work both out and show you."  (Then I never heard back and I'm tired of chasing someone to give them my business)

Can anyone shine any light on his statement about the cash out refi being better?  Assuming an interest rate in the mid-upper 5's with this one?  He mentioned 5.5 or 5.7 or something like that - it went by quick and I didn't catch it because he promised to get back to me with more detail.  
If you can shed light on part two - does anyone have any recommendations for a good NJ place for a cash out REFI?

Thanks - want to pull this money ASAP and I'm done waiting for my guy to get back to me.  I'm looking for any expertise out there who can provide some info!

Brian