Commercial Lenders - Seasoning Period for New Build Multi Family?

[Ryan Weimer]

I am doing a 12 unit multi family new build apartments in Boise Idaho - The numbers are so good I'm using essentially a hard money lender to fund it because I can get 18% down (funding land acquisition and full construction costs).

The estimated time to complete the build is about 4 months. I am giving myself 6 as a buffer.  The units will be pre-leased so renters can move in immediately upon completion.  My question is - can I refi to a regular commercial loan once all the units are done and rented around month 7 or 8?  Or do I need to wait until the property is fully rented for 6 months seasoning aka a net 12 months from start of project?  Trying to estimate my holding costs here on the hard money loan.
Appreciate the help