NC Cash out Refi options for holds w/ no W-2 job

[Eric F.]

Hi,

I have two properties I bought and rehabbed with cash and want to do a cash out refi. Originally I planned on reselling them on the MLS but I would rather do a hold if I can refi them at a reasonable rate and get my cash out. If I can get 70% of appraised value for each one out I am fine with that, but more would be better on one of them for sure.

The two houses would appraise for 120k and 100k.  I would like to do them individually. 30 year amortization, reasonable interest, etc.

Where I have some trouble is I do not have a W-2 job anymore. I also do not the income track record in real estate to apply for my refis "the normal way." I am sure other full time investors here understand this problem.

What banks would you recommend for this?