Underwriting question for conventional mortgage - San Antonio

[Joseph Weisenbloom]

I have a property that is free and clear that I want to get refinanced with a conventional mortgage. Currently it does not pass underwriting guidelines because it is a duplex that is zoned for single family. I am in the process of getting it rezoned. 

The city is telling me I have 2 options:

1. Get a "conditional use" which will allow the duplex in a single family zone. This option is cheaper and quicker.

2. Submit a plan amendment that will change the zoning from R-6 to MF-33. This option is more expensive and longer.

My question to all the underwriters and mortgage brokers is if I get the property to be approved for "conditional use" will that pass underwriting standards?