https://www.bizjournals.com/lo...

https://www.bizjournals.com/lo...

So you need both: great bank + great LO!

Lurkers, this is the sort of thing you plan out with your LO ahead of time, in great detail. https://selling-guide.fanniema...Cash out refinance...Eligibility requirements...The property must have been purchased (or acquired) by at least one borrower no less than six months prior to the disbursement date of the new mortgage loan except for the following:There is no waiting period if the lender documents that the borrower acquired the property through an inheritance or was legally awarded the property (divorce, separation, or dissolution of a domestic partnership).The delayed financing requirements are met.

cypto tangent aside you can give sense of "equity" by selling on terms with principal and interest paydown or structure a LO that helps them build a better LTV.

This is next-level strategy that you will not find working with bank LO's or call center LO's with the big online lenders. 

No good lender or LO is going to match the online undercutters who pay their telemarketer/call-center LO's minimum wage and don't care whether you close on time or not.Best of luck!

@Hideaki Yen  I like to LO my nicer homes as the Optionor, especially during the eviction moratorium.  

No matter what a friend, co-worker, BP poster, LO (yikes), etc tells you, there is no more VA 100% cash out refinancing. 

As @John Warren nailed it above, 99% of lenders/LO's truly aren't the right partner when it comes to real estate investing.