Worst time to refinance?

[Xavier A. Malave]

Good evening,

We are currently trying to refinance out of our private loan and everyone that we have talk is saying that we need to bring money instead of getting our money out. I wasn't expecting this at all. Are we doing something wrong with the BRRRR? Or is only the market? Can I do something different or talk to someone else?

Thanks in anticipation for all the help!