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You're probably better off to find out the reason for the rule from them and then have them describe to you exactly what they'll accept....as a bare minimum.
I would assume that since this is a residential neighborhood/area, there must actually be a residence on the lot to qualify.....or else you'd have to label the construction as commercial....which if the zoning allows for that, you may be completely fine with (although the tax assessment would likely be greater).
If the commission would allow you to build the garage with a bathroom and bedroom, etc., you may want to go that route as well. But.....it may end up that you could zone the property as commercial cheaper than the cost to add a bedroom and bathroom to the property.