Refinancing will be difficult if you do not have a way to verify employment or self employment.
You mentioned being laid off. Do you have a company that you started at least 2 years ago?
You will need a 2 year employment history in order to refinance into a conventional loan. I would either look to survive in the hard money; or find a way to make your verification of employment or self employment work.
have an offer for 3/2 for $26,000. ARV is $55,300. Will use hard money to purchase/rehab then want to rent. Need to refinance into loan but may be difficult since both husband and I got laid off recently. Have been thinking about rehabbing, getting a tenant, then reselling. Any suggestions? Contact me fixyourhome07@yahoo.com