This will serve as my primary residence and I'm hoping to rent out the other 3 units.

I add bedrooms and rent by room. 

Is it being rented?

My husband and I are looking to buy our first ever real estate investment out of state (we live and rent in NYC. we do not want to buy here due to high cost of properties and high tax rates).

The tenant has been a problem from the beginning, such as behind in rent for a year, buys a brand-new Jeep, lies about ex-husbands job, child support, court cases, etc...Now, the house needs a new deck, so I went up to inspect it.

If our intent is to live in a unit and rent out the other unit, will that be a residential or a commercial loan?  

There definitely has been an uptick in the number of STRs since we started renting out our first property at the beginning of COVID.

If you search for rentals in the area, I think it is logical with this pricing why you don't see a ton of single family homes for rent.  

I've never been the landlord for a commercial property but have leased commercial property before - I leased through a commercial real estate agent who was acting as a leasing agent for the property owner, and the property owner was the one who collected my rent and is who I made repair requests to so personally haven't dealt with a Commercial PM before but will continue to follow this thread to learn more!

However, during that time period, they were supposedly renting from a family member, so I don't fully trust that.So, most likely the applicant was being dishonest.