Refinance or HELOC on NYC Investment Co-Op?

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We own a rented NYC co-op and are going to have the opportunity to pay off the mortgage in a few months. Does anyone have a lead on a lender for either a cash-out refi or HELOAN or HELOC? NCB (the original mortageholder) has told us they won't do a deal for an investment unit, period. We are are looking for $100K on an apartment valued at $400K, with a longterm, market-rate tenant in place. With no other lender in first position, it seems surreal that there's no way to tap the equity of the apartment just becasue we are not residing in it. Thank you for all of your advice and experience,

Originally posted by @Alexis L. :

We own a rented NYC co-op and are going to have the opportunity to pay off the mortgage in a few months. Does anyone have a lead on a lender for either a cash-out refi or HELOAN or HELOC? NCB (the original mortageholder) has told us they won't do a deal for an investment unit, period. We are are looking for $100K on an apartment valued at $400K, with a longterm, market-rate tenant in place. With no other lender in first position, it seems surreal that there's no way to tap the equity of the apartment just becasue we are not residing in it. Thank you for all of your advice and experience,

 Call three local banks in your area. Ask all three for referrals of who do refinance or lines of credit on commercial real estate. Keep calling until you find one. This is how I found most of my banks - by calling other banks to get referrals. Hope that helps!