Quick refinance success stories?

[Tom Shepard]

Trying to start out slow and steady, (and somewhat idiot proof for me) my wife and I paid cash for our first real estate investment (buy and hold) at the end of February. Our goal is to diversify some or our portfolio out of the stock market and supplement my W2 job retirement in 7-10 years. We planned to make our second purchase probably around the same time next year after bonus season, new tax year, etc. As I am continuing my REI education on BP and meeting other great investors, we are thinking we should take some of the cash out of that first investment and get another deal going now. I have talked to two banks and they said we have to own it for 6 mo before they will refi. I am hearing different from various sources on BP, podcasts, blogs, etc. Can someone with experience refinancing a cash purchase shortly after buying share whether they went to a conventional bank, small local bank, or elsewhere? How did you start the conversation to ensure success? Thanks!