First time spec home. Problem- can’t seem to get a lender to give a loan. Apparently, I’ve been told I need experience with two new builds, which is rather odd in my book because for three years I was a commercial construction company’s superintendent that has overseen jobs worth 40 million+ dollars in work. Yet, due to these jobs being commercially based and not for personal use, the lender claims I do not have an ideal amount of experience. Have any suggestions?