Need advise on refinancing from HML

[Olya Shumilova]

I need an advise on what to do and how to get out of hard money loan. I got a Single home residence and completely gutt renovated. Due to too many steps the house is not appealing to most buyers and i cant sell it. I was trying to refinance into conventional loan and was planning to start to do short term rentals out of it but didn’t qualify based on how my taxes were filed last year. Are there any options for any other type of loans without putting any down payments to refinance out of hard money loan?