Buying with "hard money" and then refinance to conventional, Equity %?

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Question for those that have bought with hard money and refi'd, I have looked around on here but not found an answer to this question. If I buy with hard money to rehab a duplex I am looking at, when I go to a bank to refinance it into a conventional loan what is the equity amount they are going to want to see in order for me not to have to put more money down? I know if I was to start out with conventional they want 20% down, and in a situation where I already own the property in order to pull out equity most banks won't loan over the 70% LTV mark. An yes I know there are seasoning requirements that differ by banks so that is not a question I have, it is mainly the max LTV of an appraised price once the duplex is fixed up that I will need to be under. Thanks in advance.

Jarred