I've confirmed it is a time seasoning not a 6 payments seasoning and this matters because then it doesn't matter whether you bought the property with a loan or cash https://selling-guide.fanniemae.com/Eligibility/Mortgage-Eligibility/Loan-Purpose-/COR/109[…]ng-requirement-for-a-cash-out-refinance-transaction.htm)For a cash-out refinance, Fannie/Freddie apparently requires 6 months time on title before refinancing.