refi needed-any ideas?

1-has a rental in PA with $50000 equity in it that was bought 4 years ago
2- bought a fixer in NJ for $285K only 3 months ago as primary residence,now all the repairs are done and worths around $390-400K…

Do you know any bank who would refi investment property or refi primary residence without seasoning?
Also in NJ how long a property needs to be off the MLS to refi?
The CS is 635 because of all the repairs being on credit cards and high DIR :frowning:

You can refinance the property that has not been listed on MLS without worrying about seasoning. The property that has been listed will need to be off of MLS for at least 90 days. Hope this helps.