Pay cash then refi - do you get loan easier than conventional?

[Chris K.]

Hi everyone,

Let's say you are struggling to qualify for conventional loan to for an investment home of 300k (2nd home/vacation/ STR home).

If you pay for the home cash 300k, and look to refi in 12 months, is it easier to qualify for the refi and pull 75% out (assuming appraisal is same 1 year later).

Since you struggled to qualify for the conventional for 300 k is it easier to now qualify for the refi or are the same standards used?