All my properties perform above the 90 percentile on airDNA every month for there classification.

I've seen cities consider 2+ units commercial but that's just their own classification unrelated to lender classification.

It varies greatly from asset class to asset class.  If

Also, as far as I know, there is no software that does automatic download/classification for bank transactions, and there will be manual entries regardless.

  * Don't allow financing or a finance contingency (it can be a good indication they are selling above market value) * Don't allow for your own independent property inspection * Are not realistic with their pro forma's (i.e. they don't include vacancy or maintenance projections or use unrealistically low vacancy factors) * Require you to pay for any renovation upfront * Sell only in cheap. low end neighborhoods * Don't accurately represent the neighborhood/property classification * Don't have consistent rehab standards for all properties * Don't provide a scope of work for the property * Can't provide references of repeat investors Hope this helps.

Since I was originally looking into 2-4 unit properties and it needs a full rehab, I wanted to know if it made sense to change the classification with the county if I rehabbed into a 4 unit property.

@Sophie Pierce you will have to dig into the duplex classification to see if it protects you on the unrelated persons ordinance. 

Where do I find those classifications?

Are there guidelines for breaking properties up into A/B/C classifications?

Fair housing is a half or full day class if you attend training.