Hey everyone! This question might be very much directed to lenders, but I am also open to anyone's response. 

I currently reside in the bay area, have a 9-5 gig and a 1099 role both with over 1 year of experience. 

Now this is where I am concerned, in terms of financing: Would I be eligible to take out a hard money loan now along with a refinance down the road, even if I don't have 2 years of taxes with me from the same roles? Basically, bottom line: Am I able to purchase my first property now using hard money and then refinance, or would I have to wait until I have 2 years of taxes for both of my roles in order to accomplish all of this? Maybe it depends with the lender I am working with?