Investment Condo non-warrantable LTV Looking for Lender

Good Morning BP,

I want to do a cash out refi on a condo that I own outright in Clearwater Beach Florida.  Because it is an investment condo as well as non-warrantable due to the less than 51% owner occupied the most they will loan is 60% at what I consider to be usurious rates.  

Does anyone know of a local bank in Clearwater Beach that will do a loan like this with better rates and higher LTV? It is NOT a condo-hotel. Thank you, any advice would be appreciated!