Good cash & credit, zero income. Options for financing?

[Benjamin Cowles]

I've an 800+ fico, 100k+ cash + a 3/2 SFR F&C(my home) but zero income. If I cannot get a conventional loan ATM, suppose I purchase a rental, at a "deal" price with cash and HM @ 13%(no points), put in renters, what would my options be for refinancing in the short term of let's say a year down the road? If nothing, then how about two years? Verifiable income?

I've access to a HML offering the 13% mentioned with prepay penalties as he/she prefers to lend for the long term so obviously if I can find a deal that will cash flow with this rate I'd work it till and as soon as I could refinance. So I'm just trying to get a idea for what to expect to plan for. Thanks people.