Refinancing Strategies for 3-Family in New Jersey

[Jason Rowley]

Hi,  

Purchased a 3-family in NJ w/a $300k commercial mortgage 6/2019.

One unit was occupied at the purchase date.  Renovated the other two and leased them beginning 12/1/2019 and 6/1/2020; the original tenant moved out in April, renovated that unit and leased it out this month (9/2020).  All rent/leases are verifiable and total over $6k per month.  

Does anyone have strategies or ideas and/or reputable contacts for refinancing?  

Should I have the house appraised on our own? A similar house down the street is for sale for $630,000.  

Will we be able to do 70%/80% LTV based on the rent or appraisal?

Any advice or thoughts or contacts would be great.

Thanks!

Jason