We own three waterfront condos in a small association of 12 units. Located in upscale neighborhood of luxury homes. We've never had a vacancy, but we would like to refinance one of them. However owning 3 of 12 units, we've met with lenders invoking a rule that only a certain percentage of units can be non-owner occupied. They are well maintained, we have long term leases and always had quality tenants. Loan to value ratio would be about 85%. The value has gone up since we purchased 2 years ago (not down). What options are there out there to refinance?