BRRRR a primary residence?

[Nick Bolding]

I have a property that I am closing on and was originally going to BRRRR it but a couple of issues occurred in this...

1. My wife fell in love with the house and wanted to move into it.

2. The bank is telling me that I have to hold the deed in my name for 6 months before I can do a cash out refi.

I contacted a local mortgage bank and they were happy to refinance but they said due to their limitations as a small mortgage lender they don't have the ability to refi the 70% LTV of the appraisal but could refi the bridge/hard money loan used to acquire the property.

I was then recommended to speak with a regional bank to see if they had a better product that would fit my immediate needs and they stated the following:

120mth full pay out 4.45%

180mth full pay out 4.50%

5/1/30ARM 4.625%

7/1/30ARM 4.75%

10/1/30ARM 5.25%

If you do not intend to reside in the property as your primary residence, it will be considered an investment property

The main problem is that the house is being purchased with a hard money & the rehab is being done with a HELOC.

Is there a way where I can refinance without the seasoning deed? Both for primary and/or investment? Is doing an investment refi/cash out what exactly would happen if I did that option but lived there? I know these questions may sounds dumb, but I can’t say I was expecting this outcome on this deal...