Is the valuation for two 4-plexs done as a SF or MF?

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Let me expand on the Subject line.

I understand that 1 to 4 unit properties are considered single family from a loan and valuation (comps) standpoint. Since I am looking at purchasing two fourplexs as one deal, would it be seen as a multifamily or two single family properties? 

I am trying to understand this from two perspectives:

1) Loan: commercial or two residentials? Commercial I would guess.

2) Valuation: Intuitively I will value based on NOI, but will the bank for the appraisal? Will the buyer when I look to sell down the road?