Multi-Family Lending issue due to Zoning

[James Peterson]

I'm under contract for a multi-family house in Columbus Georgia. Its a duplex with a ADU in the backyard
(its zoned SFR-2, up to 4 units are authorized on the lot). My lender essentially stated that they cannot finance this deal because its zoned as a SFH, and if something happens to it, they can only rebuild it as a SFH. Anybody else run into the same issue? I plan on reaching out to a different lender, I'm hoping this issue is primarily lender based and not a concrete "no" across the board.