Incorrect Property Records & Impact on Financing

[Rachel A Simon]

I have been doing some research on a few multi-family properties and I came across one particular property that had single-family residences on one lot.  I send the information to my lender to get information re: financing options and she indicated that the property records only reflect one house.   However, the property is technically zoned for multiple.  She said this could require special financing.  Any experience with this type of issue and how to finance?