Best Places for a Cash Out Refi

[Jieh Larson]

Hi everybody! I'm looking for recommendations in the Houston area for banks/credit unions for a cash out refi. 

Two weeks ago I closed on a duplex and paid cash using funds I borrowed from whole life policies. Now I'm starting my search for banks to refi and free up that capital. Any and all suggestions are appreciated. 

A bit of background:

• The duplex was purchased under my LLC, I've heard that can cause difficulties getting a loan but I want to be protected from a liability standpoint
• I just closed on this place, are seasoning requirements set in stone or are the smaller credit unions more flexible
• Since I've had it less than a month I don't have much of a financial history for this property in my name but I do have the P&L statements from the last few years...figure that's better than nothing. 
• Ideally I'd like to start a good relationship with a small bank to provide for my funding needs. My plan is long term buy and hold so I'm happy to let them sit on a pile of loans and collect while I build my inventory. 

Thoughts, comments, ridicule...let me have it.  

[Shenice B.]

Typically if a bank does not have any seasoning requirements, they will atleast want leases for the units before refinancing. I am currently working with Luis Vasquez at Lone Star Bank on a commercial blanket cash out refinance. They have been great so far. I have also heard from other investors that Hometown Bank, Allegiance Bank, and Green Bank are investor friendly.