Bought a house Cash 2 months ago. Lenders are saying no cash out

[Tom Brickman]

Bought a house cash in July. Im nearing the end of my Renovation.  Im in Arlington Tx.  2 different lenders are now telling me they can not do a cash out refinance for at least 6 months.  

I have no mortgage of any kind on the house.  Its a 300k house and im trying to just take 100k out. 

is this correct? Even though I have no mortgage on it- I can't do any kind of refinance for 4 more months?