Loan seasoning requirements are usually based on the note date and the loan purpose, like cashout refi. 

I'm California-based where there aren't any real deals in my area, so I'm exploring Detroit as an alternative real estate investment market - due to the combination of it being a strong market and my having connections in the area. 

If its the business then asset based lenders may be interested.

I'd underwrite the deal as any other - make sure you are conformable with the quality & tenant base. 

@Chris Pratt Since single-family houses with ADUs are not considered commercial properties, they are not priced based on income or cap rate.

Lenders can have different loan options based on the property type and the amount of rehab (if any) required for the project. 

However, this is not specific legal advice to you, just an opinion based on the circumstances described.Do I Need an LLC to Invest in Real Estate?

From someone asking for help based on the success they saw us having. 

Based on this experience, I feel I have a fair sense of what pricing should look like.Do you have any supplemental carriers you’d recommend?

DM me so I don't lose you, we are not based there (CO-based until probably 2033)