Rehab/Refi question

[Matthew Mucker]

I'd like to buy a mutifamily (4plex) REO that needs work using hard money.

My question is, when I go to refinance, if LTV is below 80%, am I likely to be able to find a zero-down loan?

I emailed one mortgage broker who said no, I wouldn't be able to. I'd like to know more before I get into a situation that may require me to lay out more cash than I'd planned. I don't want to refi and have to put 10-20% down.

The property is in Ft. Worth, TX.