Non-comercial or Commercial Loan

[Dwight Sands]

We know that a loan for a property with 4 units or less such as a quadplex will be considered a non-commercial loan and a property with more than 4 is commercial. But does that that come with stipulations? In particular a property for sale with say 5 houses on in it...does the fact that they are separate buildings make a difference or is it strictly about the unit number? My initial thought is no.