[Greg]

You also might have gotten away with this if the parcels were merged on an FHA loan. The zoning is a concern but if the properties were SFR and not mixed use they would do it.

Just have to find the right lender though. Flagstar TD'd one with a SFR and a Single-Wide on the same parcel. So we took it to Huntington and they did the same thing. We battled with them and they said if we removed the single-wide they would do it. We fought some more and they just closed it as-is.