4 units on same property conventional or commercial loan?

[Justin Hall]

I currently have a single home that I used the house hack on. Since then its been rented for the last 5 years , It is completely paid off and cashflow is now approx.. 700/month

I found a single listing property just outside of city limits which has 4 separate a frame homes on same location.

I went to the bank to get pre approved for a conventional mortgage loan and got sent to the commercial loan dept.

It was my understanding that 4 units and under could be done in a consumer type loan but was told that since it was 4 seperate structures this was not allowed.

Can someone help shed some light on if this is accurate or if i was just pushed to commercial loan, also am i making a big of deal not wanting to go with a commercial vs consumer loan.

Thanks in advance.

[Shaun Weekes]

Originally posted by @Justin Hall:

How do i convince my local lenders of this? 

 If your local lender doesn't understand I wouldn't use them.