Anyone know any Detroit area banks or CUs that do...

Does anyone know any Detroit area banks or credit unions that offer 3-month seasoning for cash-out financing for up to 80% of appraised value? I am aware of the Fannie Mae delayed finance program that allows immediate financing of cash purchased properties at 80% of appraised value but only up to the amount you purchased for (or HUD). So essentially, I am hoping to get some deals where I pay less than 80% of appraised but I want to pull out the full 80% to maybe grab an extra few thousand dollars- but I need a quick turn-around. I've seen a lot of 12-month seasoning, and I have heard there are some banks and CUs that do 3-month, but I haven't found specific ones yet.

Thanks!