BRRRR Trouble with refinance

[Aaron Garbade]

Good morning,

Back in May I did a cash purchase on a 4 plex that needed a little work. I bought the property with hard money, fixed it with my own money, went to refinance and: it made it all the way to underwriting before the lender told me that they wont refi it for me because the property is actually deeded as 4 townhomes... I want to make sure that I am learning as much from this as I can. I did 1 closing, I have 1 insurance policy for the prop, I did pay taxes on 4 units separately but i also do that with a duplex that I own. All the units are under 1 roof and there are no additional units in the building..

Any advice would be welcomed.