4plex zoning question

[Jason Nye]

I'm looking at two side by side four unit buildings, the seller insists they be sold together, the seller provided a pro forma, it had the buyer using a commercial loan. I called my lender and asked if it would be possible to do two conventional mortgages. Lender says that's fine as long as it's zoned for it.  The buildings are definitely zoned to separate parcels, but when I looked at the county auditor's website, these buildings are zoned, "multi family 4-19 units" . Lender tells me that that is a commercial zoning category and even if you were only buying one of these four plexes, you would have to get a commercial loan.  Is this accurate? Is there a zoning designation that would require commercial financing on a building four units or less? This seems wrong to me, I think I'm getting bad information.