Then everything thawed and lo and behold you got water running everywhere.Either way, contact your insurance company and see if the damage might be covered.

I have seen some "new" LO's or unexperienced brokers make promises up front and then find out they have overlays or do not know their guide lines.A commercial loan is anythig 5+ units and a 4 Unit is still residential and funded under a conventional or DSCR Loan. 

Any LO worth their salt should have offered you both options.

Talk with the sellers agent and t-a-l-k s-l-o-w-l-yLet the seller know their bottom line dollar amount, thats it.

I’m tempted to put your bullet points into a grid and hi/med/lo color code everything to see which option is greenest but I think I’ve already gathered where in that spectrum I want to be.

You can't make sure, because we don't have all the information, your full loan application, income documents, etc.From the sounds of it, what your bank LO is telling you sounds correct; however, I wouldn't use a bank LO.

Shouldn't be too hard, maybe start by finding a LO on these forums that's in NC (or wherever your rentals are).

I know it’s possible because I’ve seen it done in my city, but overall I feel like the popularity in this is  L O W. 

Thanks @Raj Kapur   The first thing to make sure is that the LO who is telling your debt to income ratio is correct.

@Terrence Bayly it sounds like you found out the hard way that working with the right LO is absolutely critical to your success.