Also, the county website (auditor's and recorder's offices) are very useful tools.

So who cares what it's zoned as" that's what I would say to the lender.B- As far as changing the zoning, or asking questions about filing a zoning variance or petition to change info on the auditor site (which is wrong all the time w/ sq ft, lot size, bed bath count etc.)

And I think they also feel better of showing an auditor a rate/term refi as opposed to a cash our refi given that these loans are all being kept in house and on their own books.Cash out refi on investment properties still has a negative connotation these the bank is taking more risk than a rate/term refi.

We usually pull lists from the county auditor.

Property owner information is listed on the website of your county auditor.

So, the county auditor had it zoned as a triplex, its prior use was a triplex and how it was designed and set up was clearly as a triplex.

But I would suggest keeping whatever proof it would take to prove an expense to an Auditor as a rule of thumb.

This can be found on your county auditors website.

But you can get pretty narrow in your search...the good news is most county auditor sites are now open data...and GIS is getting more user friendly and affordable.

I tell my clients to always head to the auditors website and punch in the sale price to the tax section and see what the taxes would be.