Cash out Refinance on home in business name owned free and clear

[Angeline Walker]

We purchase a single family home to fix and flip it.  we initially started down the road of using a hardmoney lender and we were told we needed to put the home into the business name to use the hard money lenders services.  we did but we didnt use the hard money lender, it was all out of pocket and lots of sweat equity.  we are at the end now and we are trying to do a cash out refinance to go to the next project but we are being told that we must put the home into one of our names and then wait 6 months before we can do this.   Our question is,  is there a seasoning period if we have owned the house for 2. 5 years and we own it out right with no mortgage against it?   Question #2,  are there any commercial lenders that would lend on just one finished house?  3rd and final question is, is it worth using a commercial lender with just one house?