And unless there is some historical protection, I'd be very surprised if grandfathering were allowed - but meeting with the folks at the building department should answer the vast majority of your questions with an accuracy that cannot be provided here.A company that specializes in house moving should be on your list of calls.  

I have worked with "green" owners who wanted to build new homes, but have very little experience... at the end they paid dearly during construction.  

Typically with the banks I have dealt with, the commercial/portfolio loan department at a bank is much more likely to "speak the language" of an investor more than a typical residential loan officer.

Most of the lender has an separate appraisal department which can help you on this scenario to determine the type of property although last decision is from appraisal company.

I was researching some of the rental housing application process for Baltimore MD : https://www.baltimorecountymd.gov/Agencies/permits... and found this contact information : "If you have questions about the registration or exemption process, email the Department of Permits, Approvals and Inspections at -- or call --."

Have you checked with the zoning/building department in the town it is located in?

Alicia,I haven't bought land, but I believe the way to find out about it is through your local building/zoning department.

The city planning department may not want or can't re-zone it to commercial due to Master Plan of city.

I dont flip and I haven't had a chance to do a BRRRR, I just put a rough estimate but Im a little green in this department. 3.

@Grant Moffett  Call around to smaller local banks in your area ask fro the commercial lending department (as it's 6 units).