Multi family house hacking

[Sam Moomey]

I’m new to this website and am 22 years old with very little experience in real estate investing. I have around $120,000-$150,000 in equity in my $280,000ish house. Being in that position I’m looking to either sell my house and “house hack” a multi family apartment building. Another scenario would be if I keep my house I’d still like to refinance a lot of that equity out of it to invest into something, preferably multi-family. So my main question is this: I know you can get a residential loan at a lower interest rate on a four-plex with only a 3.5% down payment as long as you intend to live there for one year. Can you use this same strategy on an apartment building that is greater than 4 units (which is considered commercial and not residential)? 
again I’m very very new to this and any insight is very appreciated! 

Located in west Michigan if that matters.