Newbie, finding local lenders

[Skher Brown]

I need suggestions for local lenders (or how to find them) for the $30k rental repairs I need on my owner occ duplex in Baltimore, Reservoir Hill neighborhood. The ARV =$200K. Outstanding mort = $30K, 2% Note=$719. 2nd unit market rental rate= $1200-1400. Background: I got a no for a HELOC from my mortgage co and a couple other big guys bc I had a HARP loan modification in 2013. Also, my DTI was marginal because of my self-employment income. But I've since improved that and my current DTI is 28% (monthly income is $3750). FYI, banks I approached wouldn't consider ARV rental income. Credit =675. Options... refi maybe but my interest rate now is 2%, thanks to the loan modification. (It will phase up and fix at 4.125% in 2020.) HELOC option is preferred.. access to that equity will allow me to launch my REI career in earnest. 203K limited loan?? Can I DIY this? I need this done fast and cheap. Other options ?? I've been told that I might have better results with a local bank. Suggestions on finding them. Thanks in advance for your interest. .