State: Missouri
Loan Type: Straight-Refi / No Cash Out
Loan Amount: 375,000
Property Value: Appraised at 600k when it was a vacant SFR. Now it's being used commercially.
Property Type: 10 Bedroom SFR being used as Emergency Housing contracted with the City
Balance: 354,000
Loan Amount Needed: 375,000
Credit: 680+
LTV: 62%

Will take a 3 year + fixed. Various lenders declined for property type.

It's a SFR converted to commercial use but is also zoned multi-family. <-- this blend has been problematic for appraisers.

Suggestions?