We wouldLike to tap into that equity but mortgage brokers say there are no programs for us.

Not verbatim, but basically they state that if you negotiate and contract a purchase price for real estate, then market that RE publicly, locate a buyer and bring buyer to the table, and receive a fee for that, you are "brokering without a license". 

There are bank statement programs, but the ltv is too high.There are 100% products, but not without income verification.Those products went away after the tumult of 2008.

There are some great first time home buyer programs as well.

All of the main licensing websites do not offer Idaho in their programs.

There are down payment assistance programs out there to lessen the burden for lower-income folks, but you will still end up needing some assets whether it be for closing costs or establishing a reserve for maintenance. 

In regards to repairs, that's a different loan product -Rehab loan programs provide funding for repairs and are ARV based. 

Anyone have any insight on current, post-COVID programs for a cash out refi for a small multi-family (3 units) in Montgomery, AL?

That would put it in the MLS and syndicate it to all the public facing website to get you the most eyes possible on it.

@Ian WalshHi Ian, please let me know a few you recommend, either public or DM.Thank you,