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2 buildings on 1 plot of land. Zoned RH2. Why would I need commercial loan?

I'm looking at purchasing 2 buildings on 1 plot of land. The back unit is a house and the front unit is more of a warehouse. I'll likely use it to store my tools, car, etc.

The listing agent is saying that I will likely need to get a commercial loan for the purchase. Can anyone confirm if this is true? The land is zoned RH2 (residential) so I'm not exactly sure why a commercial loan would be in play here...

submitted by /u/ospreyintokyo
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source https://www.reddit.com/r/RealEstate/comments/ev2a89/2_buildings_on_1_plot_of_land_zoned_rh2_why_would/

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