Refinancing HML to conventional with bad credit

[Jon Mark]

Hello all, I have found a deal that I need a hard money loan for since I cannot put 20 percent down on the property, it’s 4 units all on conjoining properties, it will be around 430k to get the deal to work. However, if I acquire the deal, I currently have bad credit Will it be possible to refinance out of the HML if I show good cash flow and signficant equity, even with bad credit? Thanks for any advice