Triplex zoned as a duplex

[Elizabeth Chiang]

I'm looking at purchasing a Triplex. I went to the County Auditor website and saw that it is zoned as a 2-family and land use is also 2-family. The city requires a Point of Sale Inspection which includes interior as well as exterior. The Point of Sale states type of structure as two family, though the inspector obviously saw that there were three units.

My plan is to purchase cash, fix up the property, refinance, and rent. What issues may come up due to the zoning? Will refinancing be an issue (apprasial as a two family instead of three family)? Will getting sufficent property insurance be an issue? The property is currently fully rented and the owner hasn't had any issues in 10 years he has owned it.

If it matters, property is in state of Ohio, Cuyahoga County.