Modifying an MLS to get more favorable loan.

[Brian Mehrhoff]

I am looking at a 5 plex that is for sale. It has one unit that is livable the other 4 need to be gutted. Currently 2 units downstairs have no windows in the bedrooms. (These are 2 bed 1 bath units). So my thought is technically those 2 units don't have bedrooms. So essentially this is a triplex until that's remedied. If it's a 4plex or smaller I could potentially utilize a va or FDA loan for this property. Anyone have thoughts on this? Does this plan have merit or is this foolishness?