BRRRR method question

[Angeline Walker]

my husband and i have completed the the 1st 3 of the B(uy). R(ehab). R(ent) and we are stuck at the R(efinance) part and we are looking for some extra help while we continue to search and read about refinancing a property that is in a business name.  We purchased a home on a block with all home owners in chicago and paid all cash for the home and my husband and i did the 90% of the rehab ourselves until he fell off the roof and broke his ankle (the luck he had ;-0 ) .  Everything was paid for out of our own pocket and it has been a great learning experience and roller coaster ride. That was the Buy and Rehab brief.  As we were working the neighbors were very neighborly and one of the neighbors daughter needed a place to stay that was close to the train to get downtown and we were just what she was looking for.  that was our Rent side.  Now we are looking into cash out refinance and here is the roller coaster through the dark tunnel,  the 3 banks that we have spoken with, 1 major and 2 neighborhood banks, are telling us we have to do a commercial loan because the house is in our business name. We asked if we were to quick claim the house into my husband name they said it would need to be in his name for at least 6 months.   We bought the home 2yrs ago.  Now this is where we are searching for help to get over this downward ride of the roller coaster.  If anyone has had this experience can you shine some light so we can see the through the tunnel.  Oh and we are getting ready to start rehab on a 2nd property that we own free and clear that we have owned for 3yrs.