January 13, 2022 at 3:57 pm EST
#36056
jholzknecht
Keymaster
The detached structure exemption is only available for a structure used primarily for personal, family, or household purposes. It appears that you have already determined the loan purpose is business. If you can show that the garage is not available for renters, it is only used for owner storage, for example, then you might be able to justify the detached structure exemption.