Lending for a 3-plex and SFH on single parcel - zoned commercial

[Scott Hamilton]

Hi all, 

New investor here (6 months) now under contract on a property with two separate structures; one a SFH and one 3-plex in a B area with solid cash flow on the deal. They share a single parcel and I have found the county records indicate a commercial zoning. The first identified lender has stepped back from the deal and a couple of other lenders appear a bit uncertain.

What are the challenges? I am guessing the appraisal may be challenging due to lack of comparable properties in the area. Other issues?

Does such a situation impact ability to sell the property in the future? 

I would appreciate your feedback. Thanks!