Commercial Seasoning Period For Cash Out Refi?????

[Josh Taylor]

Im am looking at a 10 unit apartment property for my 1st multifamily. It is near a good college,only 30mins from me, and is below market rents. I have a LOC on some land I own clear, and I plan on using it for the down payment, then use some cash to make over the units. My problem is that the type of credit on my land has to be zeroed out every 12 months. One bank I talked to requires 2 yrs before they will do a cash out refi. Is this the standard seasoning peorid on commercial loans? Or do I need to find another bank?