Cash-Out Refi Duplex LTV above 70%?

[Cooper Reece]

Hello,

I just bought a duplex all cash. I'm currently financing it (considered a cash-out refi even though I don't already have a loan), but will want to cash-out refi again after I can fix it up, bump rents, and create some value. Essentially BRRR. Although my current lender is offering a 75% LTV, it's a commercial loan so it's a 25 year amortization. I'm curious if anyone knows of any lenders in the Central Florida area that are offering Conventional 30 year cash-out refinance loans on duplex investment properties above 70% LTV? Most conventional lenders will only go to 70% LTV because of these three criteria: (1) it's a cash-out refi (2) it's a duplex (3) it's an investment property. Anything agency-backed has to be 70 LTV for these criteria I believe. But I'm curious if there are any lenders that don't have to follow these specific guidelines and can move on LTV and offer a 30 year term?

Thanks!