BRRRR Refinance catch-22?

[Nils Bunde]

Hello. Thank you for taking the time to read my post. 

I have an opportunity to acquire a property for $95K and rehab for $10K. ARV is $115K and cash flow is $228 post re-fi, based on the BP BRRR calculator.

I can get hard money to buy and use my money for rehab. But, I have no steady income due to COVID. 

People I've talked to say it's impossible to refi to a conventional loan after Rehab with a bank because I don't have steady income. That would mean I'm stuck with paying hard money forever?

How do refinance the properties and eventually build a portfolio of properties by using BRRR (especially the Refi part) if I don't have steady income?

Thank you.

Nils