How Long till I ReFi my 8 unit Building

[Alexis Zion]

Hey folks,

Want to get you opinion.  I bought an 8 unit building last year.  Besides having to renovate and get all new tenants, I did a bunch of work with a new heating system (all new individual units) so the tenants now pay their own heating bills.  I got the building for $150k...it appraised last year at $230k..I owe about $100k.

I had to put the furnace project on my credit cards--a lot of money.  Fortunately, I have 0% interest on my credit cards til June 2015.  

I showed a big loss on my taxes because of all the work I did in 2013.   The building is now filled and for the past few months I have been at full cash flow with minimal expenses!!!  

Now for my question.  I really want to get the furnace cost off my credit cards.  When would I be able to refinance?  I don't know how banks think or what they are looking for.  Do I go back to the same back or choose a different one?  What do I need to show the bank so the big loss from last year doesn't make them turn me down?  I would like to be able to do this without killing my credit. 

Honest opinions please.  

Thanks,

Alexis