Purchasing first multi-family house. How will it be zoned?

[Ben Raptoulis]

Hello all, I am currently in the process of purchasing my first eve multi-family home. I have been approved for financing with an FHA loan but my banker made the point that FHA is ONLY allowed for 2-unit homes. This house was forclosed on and it appears that the previous owner was in the process of making it a 3-unit home. He/She never finished and I was wondering how this would be zoned by the city. Do I have an option of zoning at as a 2-unit because the thrid unit is only half finished? Can I turn it into 3-unit over time? I am not sure how the zoning process works and I guess it depends on the city but any help from someone who has experience purchasing these types of properties will be much appreciated!