Need help with Investment Prop REFI

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Hello, we have an Investment Property in California (built in 2015 5 bedroom 4 bath) we are trying to REFI. We have great long-term tenants paying $3000 a month on their second year lease. We have a PM in place.

We want an Interest only or ARM to LOWER our monthly payment for 1 year and sell next spring -- when their lease is up.

We thought about selling now but it's appreciating so much we want to wait.

The problem is due to job transfer my husband's credit took a hit and mine is ok/good. So we need one that will allow that. We have no BKs or anything. If anyone knows of a mortgage broker let me know! We would also like to cash out some funds and possibly buy another property, ideally. Thanks!

{Also, we can't do a Bridge loan because we want a LOW MONTHLY PAYMENT just until we sell}