Refinancing property with 2 ADUs

[Ricardo A Guerra]

Hello, I am trying to refinance a property that was labeled as having 2 ADUs and looking for guidance or strategy.. The property has a 3/2 bungalow and a garage apt 2/2 currently used as an Airbnb. On bottom of garage separate from Airbnb is an office/entertainment space with restroom, fridge, and oven about 400 sq ft. There is no bedroom, nor does it have a closet. I had attempted to refinance and therefor had to get an appraisal during process that labeled this bottom area also as an ADU in addition to ADU Airbnb. Now, bank will not refinance property because they say there are limits to refinancing a property with multiple ADUs. Anyone have any experience with this issue or recommendation on how to discuss with lender that could help? Tks, Ricardo, Newbie investor Houston, TX