Subject-to completion loan on a primary residence

[Pierce Fonville]

I am looking to do the BRRRR strategy on a Primary Residence in DFW Texas but lenders so far have told me that my short term financing will have to season for 6 months and the value will be determined by the purchase price plus repairs, not the appraised value. Also, the LTV is 75% for a refinance. How do I get around all of this? Is there any way I can get a loan based on a Subject-to completion appraisal? I read that Subject-to completion appraisals have to be written because something unforeseen prevented the completion of the project. I am just wondering if someone has experience with this and can advise me. Thanks in advance!