after buying ALL cash how to get money back??HELOC? REFI?

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I am buying my first rental all cash for 45k and am wondering how I can go about getting the cash back? I am running into a few problems that the banks are having with Non owner occupied properties.
The loan officers are telling me that I need to live in the rental to get a home equity or line of credit, but are telling me they don't check and you can get away with it. I don't want to do anything like that and would rather go safe and let them know it is an investment..

The other option is a cash out REFI which I know you have to wait 6 months for that.

Any one know a way they have used on an investment property to buy it cash close and then within a couple weeks to a month get 50-60% of your money back? thanks