Refi for a Duplex in TX - 86.4% LTV
I own a duplex in Pleasanton , TX and am trying to do a refi. However , I am higher than the required 75% LTV that most lenders / banks need - 86.4% LTV. Has anyone had any luck with smaller banks / credit unions to get a refinance in a similar situation ? I have 2 liens and the second is an interest only / balloon mortgage. What are my options ?