Ideal refi products without long seasoning periods

[John Bernardo]

According to Fannie/Freddie guidelines, conventional refi products will require a 6 month title seasoning period before the full 80% of a cash out refi can be withdrawn. This restriction can really put the brakes on expansion and growth for less capitalized investors.

https://selling-guide.fanniema...

What are the best products and lenders which offer them that do not have this seasoning period? Are they strictly non-QM products?