Is it possible to refinance sooner than months?

[Zk Lani]

Hello fellow investors. Is it possible to refinance a property bought using hard money loan sooner than the 6 month grace period? I have read plenty of contents on biggerpockets about the importance of lining up refinancing first before even buying a property and I have but so far going through many lenders in my market they have a 6 month grace period. Is it really possible to refinance sooner like 1-3 months after closing or am I being unrealistic?

Best regards,

ZK

[Chris Mason]

HML to Fannie wait is zero months and 1 day. Assuming you aren't looking to pull cash out or use an ARV or anything like that. (Lurkers - please re-read that ENTIRE paragraph before you go 'generalizing.')

Go to your local REIA meetup, buy people beers, ask who does their mortgages. In Oakland, that'll be me. Otherwise, go with who is wherever you are at.

Good luck.