You won't be eligible for the standard residential conforming loans and will have to get commercial loans. 

This created a lot of "non-conforming" uses like you are describing. 

However, you won’t be able to get the cheaper conforming financing.

Account Closed I do have clients who own properties that have been in similar instances and are allowed to function as their non-conforming use, but there needed to be long term proof that it was somehow approved to be built out that way.

So, the properties in the worse condition won’t qualify for conforming loans which require.

(I always get confirmation that the seller's agent received the offer and can open. this conformation must be in either email or text).If I don't get a response from the seller's agent within 24 hours I start calling and texting (so I have a record of my request).  

(Ord. of 4­29­91)"and I think that's saying you can't make the non-conformity worse when converting.

Normally, conforming residential loans are for a single 1-4 family residence.

@Nick Macklin my guess is you'd need to get the county records office to adjust its status to 4 dwellings, otherwise you'd have non conforming property and possibly difficulty transferring it.

Maneuvering through tightened guidelines has not been the easiest thing, for consumer and lender/broker, whether it's conforming or whether it's bridge money.Are you purchasing strictly investment on that 3 unit?