@Imthiaz Ahmed The 4-unit limit is I believe a Fannie Mae and Freddie Mac limitation: http://www.freddiemac.com/singlefamily/news/2017/1128_loan_limits.htmlAnything beyond that, and your investment is no longer backed by the government, which is why you can get the lowest rates on conventional loans (i.e. less risk).The question to ask yourself is, is a commercial loan all that bad?

Meaning FHA, Fannie Mae, Freddie Mac, USDA, etc. 

(combined between the guarantors)Not sure if I can post links in the forums: http://www.crefcoa.com/freddie-mac-small-apartment-loan-program.html

  " The program you and I were discussing was a Freddie Mac program called Home Possible.

620 to get a Fannie Mae/ Freddie Mac loan.

Freddie Mac also had a very low number of foreclosed multi units vs SFR in the Fannie Mae world during that period. 

For units, FHA is really good, but Freddie Mac's Home Possible is really good as well if you can come up with the additional 1.5% down. 

Even asking for all units to be vacant won't work with the underwriter as I understand they only look at the property based on the current situation.I explored the Freddy Mac 5% loan product but it won't work as I make too much money.

- If pursuing Fannie Mae or Freddie Mac agency debt determine if it is an approved market or not

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