Possible to BRRR with HML but witlhout being LLC

Okay, so I read a discussion in a little while ago that hovered around my current issue but I didn't quite get the definitive answer that I was looking for.

"Do HMLs only lend to LLC's?"

I've spoken with 4 today and I have 6 lined up to call tomorrow and so far all have said that don't lend to "people".

If this is not the case, then cool, I'll keep hunting on.

If this is true, is there a way to purchase with LLC and then convert, gift, sell, (something) in order to refinance with a conventional loan?

Else, I am going to have to look at alternative options to fund my purchase and rehab.

Thank you all in advance