BRRRR- What If I can't Refinance?

[Cathleen Blackmon]

Newbie Alert! 

I have found a deal and am in negotiations.  We plan on using hard money to purchase and rehab.  Once we have bought, rehabbed, and rented the property, what happens if we can't refinance?  

Lenders/Banks will not use all of our income due to commission being less than 2 years.  Also looking at my tax return it appears that the rental income divided by days rented get's me a negative cash flow (even when adding back in the depreciation).  This will shoot our Debt to income ratio out of financing bounds.  

Is our only choice to flip?  How can I refi this deal to pay off the hard money debt?