Beat This Crappy Deal

[Lear R.]

Hi, I have an investment SFH, that earns 1150 per month in rent, (valued at 170k) that I am attempting to refinance and get 30k out for debt consolidation. I've currently been offered only 23K at closing, refinancing at 75 LTV, at 6.125 percent interest rate. Also the T*rds wanted me to buy down that crappy rate at 1 point, and pay $1095.00 per month.

I'm sure someone can beat this deal easily. All the work is done, I have recent credit reports (I have a lot of inquiries since I'm always looking for funding for deals) my FICOs are 662, 668, and 699 as of today. I'd like to keep my monthly payments below $900.00 per month. Any financing people who can turn this around?