Hard Money Lenders and Primary Residence Rental

Hello BP,

I am just trying to get a better understanding of how a HML could potentially help my attempt at a "Hard money Fix, Rent and Refi".

I've noticed that a lot of HML state that they do not loan on Primary Residence rentals. I am curious about how this works in regards to a FHA loan for the refi. Would I have to wait until the refi was completed in order to move into the property making it my primary residence?

I am extremely ignorant  this topic so any and all info would be great. I am still reading through what I could bring up by searching bp. 

Additional info: I imagine some questions may come up so Ill try and cover it all here to provide you with a better picture.

I plan to get pre-approved for an FHA loan in 3-4 months.

I have been building some relationships locally with some wholesalers. It seems that no one like to try and wholesale to anyone needing bank financing. It was suggested that I look into HML so that I could quickly jump on a deal once one shows up. And that's why I started my research tonight.