You will have a very hard time refinancing with banks and finding good tenants.

Most assuredly you will not be getting 100% on a Cash-back Refinanced Loan.

When you are in the refinancing stage of the BRRRRR, do you refinance from a local bank? 

To any lenders out there, how long am I required to hang onto a HML before refinancing to a conventional mortgage?

@Jack B.Three scenarios: 1) If you reinvest- yes it is traced to that activity and deducted2) if you use it for personal use - non-deductible3) if you hold on to it on your LLC account/ books, but dont reinvest - it can be argued that you are holding on to that money for future repairs and stuff and you refinanced/mortgaged because the interest rate was super low compared to what coming in the future.

If your goal is massive growth-then get the money out through refinancing. 

For example, I just refinanced out of a hard money loan at 14% with 3 points.

As for financing, or refinancing, this is where the problems arise. 

If you don't need it, there is no reason to go through the hassle of refinancing. 

Andrew,I can’t say anything about specific refinancing, but The Farmers Bank has been great to work with overall on my personal mortgage as well as purchasing my first two properties.