I am needing to refiance this personal loan as soon as possible becuase the interest rate is fairly high. 

Having a Line of Credit on an investment property is pretty challenging.  

She has no credit cards nor credit scores.  

Keep in mind, $50,000 is available and a possible extra $50,000 through a credit line.

If you got good credit it can be done in one or 2 deals.

What would you say would be the target credit score to obtain conventional loans through mostly smaller banks?

New roof, which remediate the mold issue, $8,500.Countered seller with: fixing foundation issues, splitting roof cost, evicting hoarder.Seller in turn countered with $8,000 credit, to use as we see fit.Rents are below market and there's room to raise them even before rehabbing the units.Tear me apart.

Assuming you sell for $300k, of which $100k goes to pay off your debt, you could use the remaining $200k in equity for down payments of approx $25k each (25% down can get you better interest rates), giving you 8 cash flow properties which would be paid for by tenants by the time you really need the income (retirement) and provide moderate rental income in the meantime.You'd have to be able and willing to take on that much debt, of course, (so your debt-to-income ratio, annual income, credit score, etc will all impact this).

The first floor was fairly bare by comparison.

Any lenders or referrals to obtain a line of credit on Jersey City NJ rental property--2 family house.