Loans for small multi's 2-4 units

[Mark Plesha]

Ive been under the impression for awhile now that you can get a 30 year mortgage for a small multi unit, in this case a duplex, even if you aren't living in one of the units. I went to look at a property today and my realtor told me that it would be considered a commercial loan and the longest term I could get is a 20 yr with a balloon after 5. Is this true?