Can I get a commercial loan?

[Crystal An]

Hi BiggerPockets! If there's anyone that's familiar with commercial lending, I'd love to get your expertise. I'm looking to purchase a duplex with a giant lot that is zoned as multifamily. The initial purchase will be with a standard loan with 20% downpayment. 

However, we are looking to build a couple more units in the lot (with permits) so that it will be 10 units. Does this automatically qualify the property for a commercial loan when we refinance? Or are there additional considerations we should be aware of that would prevent this?

Thanks in advance!