HELP ! Cash out refi of rental with no mortgage in an LLC ?

[Steve Muise]

Renting what was my primary home (no mortgage) after a move for wife's new job. I have $30k HELOC balance which will be paid off in 9 months.

Because house is valued ~$400k, I decided to put in an LLC along with umbrella policy.

We decided to rent for 1 year to make sure my wife liked her new job.  Plan on purchasing new primary next spring and hope to do cash out refi for DP on new primary as well as 2 - 3 more rentals.  

My bank is telling me refi on rental will be commercial loan and loan on property in an LLC will need 2 year history of cash flow - essentially they don't want to loan in my situation. My atty says we can pull home out of LLC when trying to secure loan next spring and put it back in afterward which seems fraudulent to me.

Both our credit scores in 800 range, income $200k (+), only debt is HELOC I mentioned above.

Advice on what to expect when looking to refi and where to go for loan ?

Thanks in advance for your feedback !