Refinancing Multifamily Property Thats Not Properly Zoned

[Marquise Reynolds]

Hello to all. I have a question about refinancing a three story property that has been rehabed into three apartment units. The property has zoning rated RSA-5 which as i understand is usually for single family homes but can be converted to a multifamily dewlling with a variance permit. Does anyone have any experience with refinancing a multifamily property that is technically zoned for single family (withoiut permit)? Do banks give you a hard way to go about this? Thanks in advance.