Newbie seeking recommendations on lenders for Cash Out REFI in GA

[AJ B.]

Hey BPers,

I'm looking to buy a property out right using cash and part of a heloc in my first BRRR attempt. I'm seeing if anyone has any recommendations for lenders in GA to do a cash out refinance. I've been reading that some lenders require you to sit on the property for 12 months... that's a long time. (I've contacted two lenders about 10 minutes prior to writing this - PenFed & DCCU - so waiting on a response from them).

Also, how long does the process normally take and any other tips and tricks would be great.

Thanks all.