Cash out refi on new construction

[AC C.]

Hi folks, I am building as owner builder with cash (to avoid the hassles associated with such loans). When it is complete, what are my options for a permanent loan?

The lenders I have talked to treat this the same as a cash home purchase and cash out refi after, and therefore require 6 months of occupancy before doing the refi. I am on track to finish this thing in 2 months, and would prefer to not have my savings tied up if possible.

Suggestions appreciated!