Cash out refinancing 1st investment property

[Chanh Tran]

Hi all,

I bought my 1st investment house 6 months ago in New Jersey. My plan for it is BRRR, it is finished and ready to rent now, but i need to cash out refinance it ASAP.

I bought house with cash $45k and use $18k in credit card to fix the house. I dont have to pay interest on it for the next 10 months. The ARV is $100k.

I have talked with a lender that i used before but they could not give me a cash out refinance due to my credit score is too low. It went from 720 to 620 since the balance on my credit card is too high. 

What should i do to get my cash out?

Thanks for all tour help !!!!