Cash out before 6 months

[Emueje Ophori]

I hate to beat a dead horse. I've read most of the previous posts about this topic but I am still scratching my head. I bought a home with my own cash and through a hard money lender. It didn't need much repairs so I paid for them myself. To fund the deal the HML required the home be in an LLC. The house is now fixed up and I'm waiting for a qualified renter. The HML offered to refinance me into a rate and term loan to decrease the high monthly payments. I have several questions....

1. Is it beneficial to refinance into a rate and term now or better to wait to do a possible cash out refinance relatively soon?

2. What are my options to cash out refinance with a HML involved with the property in an LLC before the standard 6 month seasoning?

3. Most banks I've spoken too have required me to transfer the property out of the LLC and still require 6 months of seasoning.

Delayed financing likely will not work out with this deal.

Thanks for any advice