Help with transitioning to buy and holds from flips

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We are wanting to start buying some single family rentals. Our problem is this, my partner and I have 65k cash to work with. We want to continue to to flip homes and start buying rentals. We dont want to do hard money because of the interest rates. We were hoping that we could buy a flip, rent it out then cash out refi it for 65-80% LTV. We talked to the bank and they said the renters would have to be in the home for 12 months before we could cash out refi. Any way around this?