At what point is it commercial?

[Sawyer Smith]

Last year we bought a triplex in Joplin Mo and planned to do and extensive rehab and rent it out. Half way through the construction an inspector came by and gave us a stop work order because we were not doing it to commercial code and didn’t pull a commercial permit. Is a triplex really commercial? And if it does qualify as commercial according to building standards, can I refinance the building based on its commercial value?