Initial loan with hard money and then refi with conventional???

[Paul Zofsak]

It was suggested to me that I could use hard money to secure a property and then refinance 3-4 months or so later to a conventional loan. The idea being that a refinance is easier to acquire than a standard conventional loan from the beginning; and possibly not require the standard 20%-25% down. Could someone please clarify this for me? I have looked into a conventional loan but have been told by one lender that my debt to income is too high since my first rental has not been on my taxes for two years. Would a hard money loan be easier to secure?