When to Refinance on my BRRRR?

[Jobee Vincent Buenaventura]

Hey everyone! New investor here in Bergen County NJ and I got a quick BRRRR question: When is the right time to do a cash-out refinance on a property?

Details: I bought a 2-family with 1 tenant on the 1st unit in September. I did some repairs and moderate renovations for the second unit and it’s currently vacant. Should I refinance before or after I get the second tenant?

And Anyone know of any good banks or lenders in my area that are familiar with these sort of things? Thanks all!