I might be able to help, but what's the reason your builder is looking to refinance? 

You can refinance into a FHA 203k or like @Jason Wray mentioned you could even use a Fannie May homestyle renovation loan as well!  

Then once you've fixed the property up and at least have it listed for rent you could refinance into a DSCR loan.

Quote from @Antoine Black: I have a house that free and clear and I'm trying to tap in the equity can any one help  Hey Antoine, As Mike stated, your best bet is a local credit union.

We do want to settle in a little bit here while continuing to do our homework, but hope to get into something in the next 6-12 months.With the way interest rates are looking now and what little I see on public listings, I think a smaller multi-family that needs a little rehab would be the best bet. 

If you're still not having luck sourcing a wholesaler, your next best bet is to network and connect with an investor-focused real estate agent.

It is a complimentary strategy to pull some of your money back out and hedge your bet.

Personally, I'd cash-out refinance into a 30 or 15 year loan.

What you use is what you have to pay back.Cash-Out Refinance Cash-out refinance this gives you cash from the equity you have built up in your home.

Moving forward scaling with hard money loans may be the best bet and would avoid the headaches of living in a construction project.