Duplex with ADU - freddie-mac && fannie-mae insured loans

[Chakri Dew]

Hi Folks - 
First time investing in a multi-unit.

I am on a contract and might close in 30 days if everything goes well. It is a duplex plus a garage converted without a permit as a studio according to building code. I spoke with the city and got to know I can get a permit (with the 2020 new ADU rules) without much hassle.

Question: According to my loan officer, Freddie-mac and Fannie-mae loans do not come forward to loan the Multi-unit + adu. Single-family + ADU is more favorable. Is it true? Even if lenders consider to loan, permitted ADU does not come under appraisal value, this is shocking. Is it true?

I think my loan officer does not have enough experience with multi-units or maybe I am too noob to understand.

Edit: I just found some info from https://sf.freddiemac.com/faqs...

• Q1. Is a Mortgage secured by a property with more than one accessory unit eligible for sale to Freddie Mac? click for dropdown

  No. A Mortgage secured by a 1-unit property with more than one accessory unit is not eligible for purchase by Freddie Mac. Additionally, a 2- to 4-unit property with one or more accessory units is not eligible.