how hard is it to refinance? What do lenders look at?

[Ephrem Bekere]

When looking at a refinance, what do lenders look at? Do they just look at the rental income and refinance it based on that? Or do they look a your credit score and your W2 income? As a 21 year old with 2 part time jobs (40 hours or more), what are my chances of refinance if I use short term loans to fund my deals? I'm just afraid I won't be able to refinance because of my situation.