NJ Rental property paid off using HML

[John D.]

I have a SFH that I purchased using a HML and have owned the property for 4 months. Now I am looking to get a loan on the property to pay back the lender. Property was purchased for $35K and we put $30K in rehab into it. The A.R.V. is $90K.

I contacted a local CU last week but they told me that they would only lend 60% of the $65K (purchased price+documented rehab costs.)which obviously doesn't work for us.  

Home is rented for $1050/month and tenant has been there for 2 months.

Looking for suggestions on what routes we may be able to take.

Thanks in advance!!