Cash Out Refinance - Quick?

[Adam Dudziak]

I need some help on a Cash-Out-Refinance.   Here are the details:

• -Purchased duplex on 2/14/2020
• -Paid in cash and do not have a mortgage
• -Rehab finished and ready to rent
• -ARV is $120,000 and I have about $80,000 in.
• -My plan is to refinance and hold
• -I live in Ohio

My issue is that EVERY bank I've talked to requires me to "season" the property for 6 months before I can refinance even though I do not have a mortgage.  I do not want to wait that long and I'm looking for alternatives to avoid the 6 month wait.   I believe the numbers should work but I've been told there is no way around the 6 months.   

Any ideas are welcome!  Thank you.