I have been told that a refinance for my duplex contains a higher rate than a single family home.I am shopping for a refinance with cash out. Are the rates going to be higher because I have a duplex? My credit score is 800 and LTV is about 60% Been quoted 3.65% and total cost is about $700 after factoring in the credits.A friend got a better rate and paid nothing. Anyone know how?September 01 2012 - San Francisco0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.