does anyone know of a conventional financing institution that offers 75% LTV cash out refi on a duplex?

OrDid you start your real estate journey not as an investor but as a full-time employee in a real estate related field - lending, contracting, working for a developer, etc?

For the lending it will be dependent on what type of loan you will be using.

Still quite active buying SMF, as well as more passive deals in syndications, and do some private lending. 

Are there any lenders who can lend on this?

Here, you are really a salesperson representing his company, with knowledge of his terms and other lending criteria that he somehow convinced you to pay for.

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So I think you should try and sell it the way it is.I will say after much study and chatting with a dozen lender, no one will lend more than comps show on a working STR vs a standard home.So list the house as a house and then work out a deal on the furnishings etc.

So we are not in agreement.I sent this to my tax accountant https://www.investopedia.com/terms/p/passiveincome.asp.She sent the IRS link to me https://www.irs.gov/pub/irs-pdf/p925.pdfI wonder how your tax accountant treat your private lending interest?

Working our on capital stack for a large multifamily development and needing some different options with private debt/equity. I have some soft quotes for bank debt but I'd prefer to stick with private debt if possible...