Get out you unfreedom granting peasant. 

Not gonna fly for (smaller) investors in the non-commercial realm.

My loan is a point more than non-commercial and my insurance is maybe $150 more a year. 

Over the last two years I have bought and renovated two properties in a neighborhood in pittsburgh that has seen intense appreciation and have built up something like 225k in equity.My current high level financials are: Own two properties, both mortgaged and rentedConservative total market value of all properties: 550kCombined debt on properties: 325kTotal equity: 225kMonthly gross rental income: 3.4kMonthly net rental income: 1kI bought both properties on traditional non commercial mortgages and I have an 80k heloc alll factored into the combined debt number above.

I know 4 units or less is non-commercial and require's 20% down (unless you know of more creative financing methods). 

I am at the phase where I have to be very discerning if I am buying a non-commercial RE. 

Agreed, Granite can be a bit too busy and funky for some people, plus with the masses all seeming to go for it nowadays, the higher end people want to set themselves apart from the peasants!

@Sid Naik, I agree with @Amit M. and @Johnson H. residential commercial and even some residential multi-family non commercial have not seen a decrease of 30%.

I keep seeing this, and from what I can gather from the context it's continually used in, is that it refers to non-commercial property.

Does it work on standard (non-commercial) washers and dryers?