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FHA Loan for house with "bonus building"

Hello, we are looking to buy a house with an FHA loan. The lender that we are using is worried that the "bonus building" on the property could prevent us from getting the loan. We were originally going for a USDA loan, but he said the building would definitely be a problem with that, so we switched, and now he is saying it could still be an issue. I was wondering if someone here could give us some more insight.

More info about the building: It makes up a very small portion of the property; the house is the main percentage. The building has electricity and its own meter, but no water, no bathroom. It is a one-room building with a bottom level for storage. It does have its own house number, but from what I can tell online, it's not a postal address, I guess, because it only shows up in certain places. The current owner is running it as a store and has a business license, but we have no plans to if we are able to buy the property. It is also zoned residential, not commercial.

ETA: Current owner has VA loan if that is relavent. I don't know how things translate between loan types.

submitted by /u/Succu6us66
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source https://www.reddit.com/r/RealEstate/comments/1qfcm3x/fha_loan_for_house_with_bonus_building/
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