Trouble financing property because it has an ADU?

[Michael Ede]

Has anybody ever had trouble getting financing on a property because of an ADU?

I have a single family residence in Washington State that I have been in the process of refinancing for a few months, and the bank just emailed me to say they cannot do the loan because there is an ADU on the property. Is that a common issue? I thought an ADU was a pretty normal thing for a property to have but apparently I was wrong. One other lender I had spoken to had seemed very confused that there were two houses on the same property.

They also said they couldn't do the loan because I needed 12 months of cancelled checks for the current loan, and I only gave them three months of cancelled checks because the loans are not twelve months old and I've only been making payments for 3 months. So apparently this bank is unable to refinance a property with an existing loan that is less than twelve months old? Seems strange to me.