Need a Charleston Lender to Refi on ARV w/o 180 Day Seasoning!

[Melissa Searing]

Hi BP! I need your help. I have a house under contract and my DD period ends Friday. My private lender is paying cash for the property and renovations... and I would like to refi into a 30-year fixed mortgage and make it my PRIMARY RESIDENCE. I spoke with a few lenders today, and they are saying that, in order to get financing based on the ARV (and not the sale price), I have to wait 180 days. Ugh! How do people do the BRRRR strategy? Do they always wait the 180 days? Or do they just have to find a bank who will do it without the seasoning period? Do you have a recommendation for a mortgage banker in South Carolina or Charleston you recommend?

Your help is so greatly appreciated. Thanks!