How do I obtain refinancing on property zoned M1, is owner occupied with no business related to it and with a short sale history?

FHA 203k program, this will allow for the refinance of the property along with funding to have the zoning changed and the variance filed. This Program will also fund any home improvements you would like to make.

There's a lot going on there.. To obtain a conventional conforming loan, the zoning would have to change.. MI is light commercial, and you won't get home financing unless you get it changed.. That is not an easy process for most places.. The fact that you live there has little to do with how a property is zoned... Your best bet is commercial financing.. for that you need to go to www.scotsmanguide.com I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

You would need to contact a commercial lender.