Is it a 4-plex or a 5-plex for conventional mortgage financing?

[James Mathison]

I'm considering purchasing a property and am unsure if I'll have to use commercial lending or not. In terms of financing, will this be a 4-plex or a 6-plex?

The single-lot property has:

• Two 2-bedroom apartments with kitchens
• Two 1-bedroom apartments with kitchens
• Two 1-bedroom apartments consisting only of bedroom/closet/bathroom

All six have private entries. The tax records say "Detached Apartment", "Detached Apartment", and "House". The "House" has two of the apartments.

I'm guessing it will be 6-plex, but wanted to check: what is the definition of a "unit"? For example, if I had a house with an in-law suite, would that be considered a 2-plex?