Timely Refinance

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I recently purchased a package of 3 single family homes for $85k. I put down $55k and seller carried the rest.

I haven't had an appraisal done, Zillow estimates each house is worth $10k more than what I paid.

I want to refinance but want to do so in a timely fashion, getting a good interest rate WITHOUT having to pay an appraisal it a lot of points.

How should I proceed?

Thanks