These can be "conforming loans" like FHA/VA for low down payment.If you don't live in it then it's similar but it's considered a commercial loan and you will likely have to come up with more down payment. 20%-25%

Single Family Residence (SFR), Multi Family Residence (MFR), Commercial Small Apartments, Medium to Large Apartments?  

I have a couple mortgages under an LLC that are commercial loans.

If you don't take the FHA route, you can expect to have to put close to 20-25% down if you finance through a bank or commercial lender.If you have a steady w2 job, some savings for a downpayment, and the price is right, I believe acquiring a loan for a fourplex shouldn't be too difficult!

Beach or park access nearby would be a plus.

Ridley Park, PA Seven Unit FlipSince I started buying property last year, I have wanted to get into doing fix and flips, buying and holding large MF, and getting involved with commercial lending.  

I now believe I have access to OPM at pretty decent rates.

Commercial financing is what's keeping me out.  

@Carl LeggDo you want a set of docs from a web marketing firm and a pat on the back, or would you prefer access to quality and meaningful support?

As per code, Street access is allowed if there is no alley access to the lot.