@Greg Soon - SLC has loosened up their ADU requirements to combat the mini-housing crisis they are seeing here.The code is outlined in the section below.Section 13.11.010

The short term will not give the borrower enough time to try to refinance and I don't see institutional lending requirements loosening up much for the next two years.

Let's loosen up our guidelines and file for lower rates and build this book back into balance!" 

It’s kind of like asking what’s the best neighborhood to invest in.....it depends on the investor’s strategy and resources.Inventory is still tight here in Cleveland, seems to be loosening up just a little since the start of the Holiday season and new virus spike.  

In addition, California loosened the ADU regulations at the beginning of 2020.

When renting in non-landlord-friendly areas, I want to tighten my standards more, not loosen them.

Within Denver metro: Adams county currently doesn't have any regulations, Arvada currently allows STR's, Westminster does but just changed the rules to limit the number of them a bit, Boulder County does (with lots of hoops to jump through and restrictions such as number of nights it can be rented), Wheat Ridge has loosened up restrictions but I believe has capped the number of permits.

Most times I have an investor that wants to loosen up standards so they have less vacancies.

Once the stimulus bill passes, I think we will see things loosen up.

Ended up going through another local bank for that commercial loan with 80% LTV and 4.5% interest.This was 3-5 years ago when lending was much tighter, so they may have loosened up quite a bit since then.My understanding about Gus is that he owns a lot of property and most of it came through foreclosing on borrowers.