Credit Unions/Banks in Houston that will do Cash Out Refi's?

[Haley Henderson]

I have a few properties in my portfolio that I am needing to complete the Refinance part of the BRRRR. I have never done a Refi before, but I have learned through books, podcasts, etc that credit unions are the best place to build relationships for financing- which I completely agree. However, I have been on the hunt for local credit unions who complete cash out refinances, and all the ones I have talked with only offer home equity loans. As well as, do not lend to LLC's...

My question is- does anyone know of a credit union in the Galveston/Houston area that will work with investors and offer cash out refinances? If credit unions will not work with LLC's, how do you get around the DTI requirements with your personal finances on multiple properties?

Is DSCR refinances the best option if I can not find a local credit union/bank to work with me on these cash out refi's?

Thank you ahead of time!!