SFH To Duplex Zoning FHA Loan Requirements

[Johnny Mack]

Im looking to house hack a duplex in Philadelphia with an FHA loan, I put an offer in on a property and my realtor tells me that the seller warned us that the FHA may not approve the loan because the duplex is zoned as a SFH. I did some research to find that most multifamily homes in philly are illegally zoned, even fully remodeled ones. Is this zoning rule true? if so what are my options besides going conventional? Thanks for any help.