So I would add a couple of things.1) Hard money lenders will have very distinct/unique terms.

Getting in front of the path of development is a distinct possibility.

There are many distinct markets around the country, they aren't all going in the same direction at the same time.  

The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

Collection agencies have their own distinct state laws and regulations (we've all seen and heard examples of what they're required to say, i.e. 

But they're a distinct minority.

And nobody picked up on this distinction--the listing agent, my Realtor, home inspector, mortgage company, and title company all referred to the property as a modular home. 

In my relatively small town of Bellingham, WA, with less than 90K people, we still have close to 30 distinct neighborhoods all with a unique place in the RE market.

I have been both the renter and the landlord in such situations.The use of the term 4 plex would almost always refer to legally distinct living units where there are 4 units, one title to the property and each unit is self-contained.

I think that distinction makes all the difference.