How soon can I refi when BRRRR with cash

[Jessica Zhang]

Hello all, this is my first post since I joint this awesome forum.

After hearing a good number of podcast and reading in the forum. I finally made up my mind to try my first investment with BRRR strategy.

My Q is: had I put all cash in without using any lender upfront, would I be able to contact mortgage company for cashout refi sooner than 6 months. Any pros and cons?

In podcast I heard from one episode that the lady from Colorado she borrowed money from hard money lender with 3 months term(?) and successfully got commercial mortgage within the time period. On the other hand, I saw people sharing their experience that they’ll need 6 months cooling period ( is it what called) to get a mortgage.

Thanks all for any experience sharing is apprenticed for people like me a newbie..