The cash flow from this property ($1,300 profit after expenses) can also help support your ability to qualify for a refinance.HELOC (Home Equity Line of Credit): Another option to access equity is through a HELOC.

The lender wants to run your credit score to determine whether you're Dilcia Morales or not.

I’m pre approved or have a line of credit in place.  

You need same day cash typically, no loans, no credit. 

I am looking to refinance an existing HELOC to increase the line of credit.

You want a service that provides a full credit report, full criminal, identity verification, etc.Then it would help if you had clear screening criteria.

I recently explored several top mortgage companies to hang my NMLS mortgage license with and if you have decent credit and a down payment, banks are finding ways to get you qualified.

Do I take out a line of credit on our primary or one of the duplexes to expedite the 4 unit purchase or just leave them alone?

His credit score is 620.

If you are lookign to occupy the property as a primary, then you'd need to look at the conventional (Fannie HomeStlye Reno loan for example) or FHA (203k loan for example).As for the takeout, again so long as the ARV is strong enough to support it, you have credit and income to qualify (if you go the Conventional DTI route as opposed to DSCR), you should be able to refinance into a long-term loan no problem.Feel free to DM me if you'd like to chat more on this!