@Kyle Trotman If you purchased with a hard money loan conventional lenders will require extensive seasoning to utilize the new appraised value for cash out. 

So before I transfer ownership back and start a seasoning period, I thought I would ask if there were any solutions I am not finding.  

Whether you're looking for short-term rentals, long-term rentals, or fix-and-flips, Florida has something to offer.Favorable Tax Environment: Florida boasts no state income tax, making it an attractive option for investors looking to maximize their returns.Year-Round Appeal: Unlike seasonal markets, Florida offers consistent rental demand year-round.

Your issue more so is the seasoning period for the refinance is what it sounds like.

The buyer finally reaches out to say that the bank is having a hard time seasoning a couple of the homes in their portfolio. 

BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

Rented quickly for prime in rent in slow season.

From my experience, this is a very seasonal market.

I find VT also a great place in the off season for hiking etc.  

DSCR Loans - Both Purchase and Cash Out Loans- Investors typically use these on the cash out portion of the BRRRR Strategy - Minimum Downpayment, usually 20% but some lenders offer 15% down - Max LTV on Refinances, typically 75%, but some lenders will do 80% - Minimum Title seasoning (since the property was purchased and recorded on county records) is 90 days, although some lenders have no seasoning at all as long as you can show rehab work completed. - 30 year fixed terms - Usually have a Prepayment Penalty from 1-5 years, although you can price out a 0 PPP for a higher rate or fee- Minimum Credit score is 650 usually, although you could do a lower LTV loan at 620.