Newly constructed rental loan question

[Jason Huling]

Hello this is my first post but I have been following forum for a while now. I’m in construction and I built a rental ground up on property using cash but now I would like to get a loan on it to do the process again. Bank lady said that i need to hold the property for a year to get full value out of house. Any suggestions? Different bank or am I stuck. I was hoping to get 75 percent of market value but she said I can only get 75 percent of my cost (which is low). Should be valued at about 250-300 thousand in my market.