Type of loan to use for cash-out refinance (not Fannie/Freddie)

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Hello Group. I am at a point where using conventional mortgages (Fannie and Freddie) is no longer an option. I have been exploring the use of a fixed 20 year commercial loan at 6.44% OR a 5 year LOC with a variable rate (WSJP + 2%). I wanted to know what types of loans others are using to pull cash out of their properties. Looking forward to hearing from you!

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