I own my primary residence which I bought FHA 3.5% down on 7/7/16. I purchased it for $47,000 and with the down payment the original principle balance was $46,148 and I currently owe $45,805.85. I am confident my house is now worth $85,000 with all the renovating I have done. (Auditor's value is $79,030) I have a credit score of like 705 and my gross yearly income is $23k

I have checked a few other banks but they were having an issue with not owning the house for over a year. I am looking to Get $27k in equity to eventually use for a down payment on a multifamily rental. But at this time I would just need the equity loan. I would like to have no fees or closing costs. (Not a cash out refinance) was wondering if anyone knew of some lenders that may be able to help?