commercial loan/ credit line???

I’m having difficulty with local banks packaging all of our units into a commercial loan and getting a credit line. We have 13 single family, 4 duplexes, 2 multi (5)units and 1 commercial building and are looking for a credit line of $150,000 to $200,000. Our properties are at 70% LTV. We are trying to avoid paying 8% on hard money, it’s eating into our cash flow. All advice WELCOME…