The zoning committee for the county/ neighborhood will review the applicants case and either approve or deny if they believe the applicant has a hardship.

The credit committee is made up of local people that are part of your community.

Learn the process, do they have a loan committee, so they prefer one asset class vs another etc?

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The credit committee is usually made up of local people that are familiar with the market they are in.

It may be that the bank only pays minimum wage .... what you may want to do is look for a guidance line and then use those props to collateralize the guidance line.. and it has to be big enough to make it worth the effort.. in Community banks the president or whoever your dealing with has a loan limit that does not require loan committee over that limit they have to put a presentation together to take to loan committee and present your loan request..

The "committee" has their hands in your pocket at all times!

Myself and architecture had to go in front of the zoning committee to get the approval since the block was designated for more SFH vs multi family.

What will you do when this lender struggles or the committee no longer has an appetite for this level of leverage and calls your line?  

Coastal commission, historic committees and small town building departments are miserable to deal with.