Multi family zoned for single family

[Robert Bodmer]

Hey BP!

I have a property I am considering for a house hack. I want to do a BRRRR investment my main concern is that it is a duplex layout but it is zoned for single family. My hard money lender is willing to finance but will I encounter problems with the refi? The real estate agent said if I take the appliances out of the second I could refi it as a single family. The zoning process would take awhile and cost a lot due to the hard money loan. Any advice would be very much appreciated!