Do I have to wait 6 months to refinance my BRRRR

[Thomas Fawcett]

We have purchased our first BRRRR duplex, renovated, rented, and now are refinancing. The lender I am working with said that I need to own the property for 6 months before refinancing. We purchased the property with cash and are looking to get a 30 year fixed loan. Are commercial loans available sooner than this? I would like to refinance right away and while I’m not far from the 6 month point, I would like to know if anyone has been able to get a 30-year fixed loan before owning a property for that long? What is the reason for this 6 month wait?