Refi within BRRRR strategy using all cash for initial purchase

[Ted Tronnes]

I have some cash to buy, but want to recycle much of it and continue to buy more. BRRRR appropriate strategy, howev I'm unclear about any limitations to the refi part of BRRRR. Specifically, does refinancing after a cash sale involve a lender assessing my personal debt to income ratio for approval? I have had a low income last couple years (and very low debt too) but was denied by lender on a $50k property; they said I dont make enough money at my "day job." I was shocked because that my personal liquid net worth (10 times the loan amount) didnt suffice.

In that scenario the lender was Loan Depot, a nationwide entity, but again, we were discussing something known as a "reno loan" (15% down vs 20%) for initial purchase. Within a BRRRR play and using all cash for the initial purchase, does the refi portion still depend on one's personal, day-job income level relative in some way to the amount of the loan? Im hoping that using all cash to establish outright ownership of the property eliminates the personal income question come refi time.

Thank you.