Problem with BRRRR 85% LTV Refi

[Ian Irvine]

I'm having trouble getting a house refinanced at more than 75% LTV because it has been rented for the last 12 months and on the market again for leasing. All of the material and podcasts from Bigger Pockets say Buy, Rent, Rehab, Refinance at 85% LTV, and Repeat. How is this accomplished if it's not a primary residence or second home? What lenders will do 85% LTV in the northwest Florida area? Thank you, Ian Irvine