Lending on a 1-4 unit property

[Cody Feist]

I am new to real estate investing. I am looking at buying my first property soon. I have listened to all the podcasts and read several books. From what I have gathered is that 1-4 units is considered a residential loan and 5+ units is commercial. I have talked to 7 local banks and they have all told me that anything I would be buying would be considered commercial since its an investment property, including a single family house. With it being a commercial loan the longest term I could get is 20 years and the interest is only fixed for the first 5 years. How does everyone else get a 30 year residential loan on 1-4 unit properties.