Cash-out Refi in Charlotte?

[Jason Lecker]

Hello everyone, I'm a new investor in the Charlotte area. I have three properties--two rented, one being rehabbed--and I'm exploring ways to build up my real estate portfolio. One of the methods that's been most attractive to me is the BRRRR method; however, it's been difficult finding a lender who will do the cash-out refinances necessary for the method to work. At best, I've found lenders who require a 1+ year seasoning period before doing the refinance.

I'm currently working my way through the list of banks and credit unions in town, but it would help to have a little direction. Does anyone know any lenders who have a 6-month or shorter seasoning period (or who would lend more than the purchase price on cash deals)?

Thank you!