I know firsthand that the general answer to that question is probably “no”. For example, we have only 30% of the value of our house mortgaged (per the bank’s own appraisal) and it took us 4 months to re-fi recently, with lots of requests for tax returns and other info, and almost didn’t happen, even though we have super high FICO scores and cash in the bank to pay off the mortgage in full several times over. The banks only want to see income from a job, not from interest.
