Triplex and Single Family on Same Property Lending Problem Help

[Lucas K.]

Hello Experts,

I am hoping someone can help me with a lending conundrum I have run into.  I currently have a four-plex under contract but have run into a snag with the financing.  It is a single tax ID/legal description, but there are two structures: an old 1900 era house converted into a triplex and a small house (kind of like a carriage house, although it wasn't a carriage house) facing the side street behind it, for the fourth unit.  The small house has a different postal address because it faces the side street.

My lender is saying that the underwriter is telling them the loan will not meet Fannie requirements unless they all have the same street address (so we currently have A, B, and C for the big house, I guess they want the little one to be D).  

Has anyone run into a similar problem in the past, and have you figured out how to get over this hurdle?  I frequently see properties with multiple structures like two duplexes that have different addresses so I was surprised when this became an issue.  I was expecting the issue come around when the appraiser can't find three large houses with carriage houses in the area that have sold recently (which they won't be able to do).  But we haven't even gotten to that stage yet!

I would be grateful for any and all advice.  Property is in Kansas City, Missouri if anyone has worked through this problem with a lender there in the past.

Lucas