If you setup a spreadsheet for two scenarios, a sfr vs a mfu 5+,  you can prove to yourself that the loan rate is not a significant difference between the two choices - - just be sure you're  apples to apples:same purchase priceuse at least an ltv of 75% on bothwhile the commercial loan will be an arm, ignore that and compare fixed 30yr any rate you please.use the same rents and expenses at 30% of the rentsThe cash flow will be very, very similar. 

Big Box lenders (and  some little box ones too) now play the change of circumstance game to have another whack at the fees apple.  

My story is funny.I had a thousand shares of pre-pre-split apple stock that had been meandering around $12 for two years.

If you are not going through a detailed interview and trying to compare you are likely comparing apples and oranges.

@Stephanie Potter was more articulate and helpful than I was... sometimes trying to reply on my iPhone is difficult and I am unable to properly explain WHY.  

Rather than talking about the yesterday's winners like the Bay area (Like an Apple Stock trading at $100/share), shouldn't we discuss the future up and coming Apple in real estate? 

I am currently located in Hoboken, NJ right outside the Big Apple.

Be sure to ask for the full MLS listing sheet however as they will usually have a lot more details about the properties that will help you make an apples to apples comparison.

Home office and tax preparer are apples and oranges in my mind.

I may be comparing apples to oranges to bannas as note investing has a commercial property aspect that multi family residential does not.