Two properties zoned commercial using as residential LTR

[Steven Yow]

I have acquired two properties that are currently zoned commercial. The zoning board does allow these properties to be used as LTRs with up to 4 people in each. I am having issues with lenders either not wanting to loan because I am using it as residential while zoned commercial, or because it is less than 5 units for commercial lenders.

Info:

House 1 4b/3b rented at $3200/mo

House 2 2b/2b rented at $1100/mo currently and $1800/mo in August

Self-valued at $800k together, $550k and $250k respectively.

Looking to cash out refinance DSCR at $500k 62.5%

Any help is much appreciated