Refinancing Commercial Properties - Easy or Hard?

[Tom Barnard]

So I have been reading about multi-family properties... If one was purchased using Hard Money, how hard would it typically be to refinance with a conventional loan 6 month or a year later? Would the banks still look at the normal criteria like personal assets, credit history, etc or would they lend on the merits of the property? I have good credit but would not have much in cash reserves or assets after purchasing a property. The only other real estate I currently own is my primary residence and it has a mortgage attached to it. There is some equity, but I don't want to take any money out of that. Would cash flow from the property be enough to get a conventional commercial loan?