Need help finding a bank in SoCal to refi a rental with an ADU

[Shiloh Lundahl]

A friend recently shared with me that she is having a really hard time finding a bank who will refinance a rental property that she ownes in Monrovia, California. 

The property has an ARV of 650k

She has a first position loan for 84K and a second for 55k

Family income is 130k

She has been told by a couple of banks that because the rental has a second property on it (ADU - 1 bed 1 bath) and it's a rental, that she can't get it refinanced. That doesn't make sense to me, but most of my real estate is in Arizona so I don't have many bank/lender contacts in California.

I would love to hear from anyone with any suggestions to help my friend.