Financing a triplex that is zoned as a single family

[Blake Hill]

I am interested In purchasing a multifamily house that I currently rent. I just finished viewing the other units and I was informed that the house was zoned as a single family home. I was told due to this It will need to be a cash purchase, and I would not be able to get a government lone for it. Is this correct or is there a work around for this? Or is my best bet to get a short term loan from private funding. Then get the house properly rezoned, renovate it, and then refinance it with a bank to pay off the private lone?