VA loan refinanced to a commercial loan...

[J J]

I purchased a 4 plex with a VA loan 2 years ago. I really enjoy living here but I want to move out and buy a SFH or a duplex/4plex but I need a 3/2 (Having a baby) But I dont want to sell the 4plex! we've been living in it for free and it will cash flow quite nicely with the 4th unit rented. I want to refi into a commercial loan. I have 150k avail for almost any LTV reqs a bank can come up with I think. But the transition is maybe weird VA-> commercial and I dont know if its even possible or if I can get another VA loan after that. VA has rules about you must sell your house or pay off the mortgage to get a new house...
Dont.....want......to......sell.....!

Thanks for your replies!