Refinancing from Hard Money loan

[Abe Macias]

Currently have a hard money loan for a property I did some rehab to, and now have it rented out.

Main house and Small Apartment rented out for $2200. My hard money loan is at $138K and appraised at $184K with repairs made. I wanted to refinance with a local bank, but they wanted us to bring about $13k to closing. Any ideas on how I can work this specific scenario without having to pay so much at closing?

Thanks for any feedback!