Can I cash-out refinance faster than 6 months in New York?

[Glenn Smits]

I’m looking to cash out refinance my second deal. My first one worked out well but I want to do this one faster. My lender told me that I had to own the house for 6 months before we could refi it. 

This second one has a tenant in there already, I’m going to fix a few things and would love to get the cash out in more like 4 months. I’m in New York state and this is a single family rental home. Am I stuck waiting for 6 months?