Financing help with new property

[Tanya Judd]

Does anyone have any advice on how to get money out of a newly acquired property? My name has been on the deed for almost 2 months. It's 1 1/2 acres of land in Florida with a manufactured home. I owe the original owner $20,000 and it's property value is about $150,000. The mortgage company I was using said they could do it, but now they said my name has to be on it for 12 months in order to refinance. I will be renting out in the next year hopefully when I finish renovating it. Is there an option for HELOC or hard money lending? I don't know how this works.