How long to wait before applying for credit again?

We’ve recently applied for (and turned down) a mortgage refi, and have an application currently in process for a refi of my student loans. We need to get a credit card to get one of our cars repaired, but were turned down because we’ve had too many inquires on our credit history lately. So how long do we have to wait til the coast is clear to apply for credit again?
Actually we turned down the mortgage. We didn’t think a mere $ 150/month savings was worth adding another $ 5000 in fees to our mortgage.

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