i have a small loan of 40000 on my single fam. house in prov. r.i...i have over 100,000 in equity at this time...i would like to buy a 3 fam. for investment but don't know if i should ref. my mortgage or take out a second loan??? my credit is excellent just not sure what kind of rate i will be given if i ref. an take out a total of 220000 that includes closing an everything to combine both loans