Cash out refinance with complicated circumstances

[mamabear]

I'll try to keep it short. My credit scores obviously vary from agency and version. An estimate is 650. Some higher and some lower. I'm self employed so my tax returns aren't indicative of my income. I deal in cash for the most part. I own outright 2 homes, 165 acres, and 6 trucks, so plenty of equity. Would like a cash out refinance but my self employment hurts. Any lender ideas?

[kc0039]

Where are you exactly on income with your self employed returns and you know where you are? 650 score for a cash-out refinance would result in a higher rate. Questions:

1. How long have you been self-employed?

2. The 6 trucks we won't care about, unless it's under your name and the business pays for it, and it starts affecting your debt-to-income

3. 2 homes.. is one an investment property?