Conventional Mortgage on One Building of 4 Townhouses

[Weng L.]

I am looking to buy new construction townhouses and talking to seller if they can sell whole building (that has four 2-story townhouses) to me as one portfolio (one property) instead 4 separate units. From financial perspective, will conventional mortgage lender's underwriting accept this property (as a 4-unit multi-family)?

Another seller has two 1-story duplexes for sell (total of 4 units), but these two duplexes are not under the same roof. There are brick pavers that connect these 2 duplexes and they share the same brick paver driveway and entrance. In this case, will mortgage lender's underwriting consider these two duplexes as one property even if you can do it with your county record as one unit?  

[Chris Mason]

Originally posted by @Weng L.:

I am looking to buy new construction townhouses and talking to seller if they can sell whole building (that has four 2-story townhouses) to me as one portfolio (one property) instead 4 separate units. From financial perspective, will conventional mortgage lender's underwriting accept this property (as a 4-unit multi-family)?

Another seller has two 1-story duplexes for sell (total of 4 units), but these two duplexes are not under the same roof. There are brick pavers that connect these 2 duplexes and they share the same brick paver driveway and entrance. In this case, will mortgage lender's underwriting consider these two duplexes as one property even if you can do it with your county record as one unit?  

 4 units on one property is just a fourplex. 

Note that "townhouse" is a description of a physical appearance, not of a legal regime.