DSCR to Cash Out BRRR

[Calvin Quallis]

Hi,
Purchasing a buy and hold property in the Hamptons, NY for $1,895,000. Will put $500K in property. ARV is $3M conservatively, with a really great reno can fetch up to $3.5M. Purchase contract has no mortgage contingency and needs to close in 60 days, so decided to do a DSCR with no prepayment penalty to cash out after repairs. Was told I cannot do cash out DSCR refi because I will have no rental income yet and I've held the property for about 6 months while doing the reno.

Any suggestions on which loan I should look at for at least a 75% LTV cash out refi. BTW: I'm self employed.