Most folks who come to me to refi end up having to bring cash to close even though the new value has increases substantially, they cannot access 20-25% of that equity due to the cash out limits being 75-80LTV. 

@Marizel AshbyBelow are the top things I will recommend you focus on if you don't have at least $30,000 in your bank account or you don't have access to that kind of cash from other sources:1.

No plowing thus no access?

Plenty of people do it, but not 100% easy street.Good luck and best wishes.

Make sure it is somewhere easily accessible that doesn’t require any tools to turn off.  

Or is is pretty easy to transfer this years data into Baselane to get started at any point in the year?

It does seem though that one of their value add services is an easy sale into the flock. 

This was easy, too.

However, since this is an internet forum, it's easy to dehumanize people to accounts because they are text-based.

Purchase price: $300,000 Cash invested: $300,000 Sale price: $400,000 This was my first property and decided to sell it get access to its equity.