Best option for multi-family cash-out?

[Daniel Boyt]

My partner and I just closed on our third property.  It was a cash deal and we've become increasingly disappointed about restrictions in lending:

2 months ago: We're buying this around 20% below fair market value. We'll be able to pull out 100% of cash based on 80% LTV. - Nope...Purchase price is used for first 12-24 months unless substantial remodel is done.

1 month ago: No worries.  We'll hold in both names and one of us will get an agency loan (to prevent it from counting against both of our limits).  - Nope...will count against both.

Today: It's not even that good.  Can't use agency money for cash-outs until we've been on title for 12 months.

I feel like there are some magic words I'm missing here.  Any thoughts on the best option?  Property is in Missouri.  

Thanks.