single to multi-family zoning change or variance in FL

[Brett Nissen]

I am looking to purchase my first multi-unit property. I am trying to do owner-occupied FHA financing for a duplex purchase in Neptune Beach, FL near Jacksonville. However, the duplex is currently listed as single family residential, when it needs to be listed as multi-family residential. I was told I need to contact the city, yet was looking for any tips/tricks for this zoning change or even a variance. Feedback would be greatly appreciated!