I'd also go ahead and start shopping lenders for the refi- while you are still 6 months of seasoning away from the refinance, make sure you have one lined up that will do the refinance. 

So that's usually the other dividing marker on that the other thing is let me get it out to you.I have rarely seen banks lend to llcs even if they're seasoned and they show gains.

Is it lack of seasoning period or something else?

South East has a long rental season so this tend to be a good area.More specifically.

If either of you do not have 50% each in your account for the down or one person does not have 100% in their account, then she is correct that there will need to be a seasoning period of 60 days for the money to be in the account(s). 

Whenever you enter the annual amount, it will then auto-fill the months with that seasonality built in.

Your lender on the new property purchase may ask/question where the down payment money is coming from, so you'd need to make sure your future lender allows it.As for the 2nd part of your question, you can purchase a 'move-in ready' or new-build property, but in order to refinance there would likely be a seasoning period on your loan before you could do that.

I am curious if any more seasoned folks know any other loan products out there available to us “self employed with an employed spouse” situations.

However, you're usually up against seasoned RE investors.

I am emplyed as a Union Ironwoker and during my off season ( January and  February ) I decided to start doing handyman work on my own to generate more income.