Must be like properties with business/investment intent.

Ask their intentions.

Here is the layout,, Main house has 3 units and there is a stand alone cedar log cabin 920 sq ft. (4 units total - 2 separate dwellings) There is also a two level garage that is attached to the main house.

So I have a friend who, as a single mother, was forced to move from Maine to Massachusetts, a few years ago, to find work as a nurse.

I'm mainly looking at Freddie/Fannie commercial loans.

I've got a main single family house that has 3 smaller houses behind it.

Are these my main options, what am I missing?

My main concern is resale, but if the numbers work well, why couldnt I do the same thing and sell the 4 units.  

I don’t feel like it will be difficult to find another bank to lend me money but since my property is under 5 units and therefore being valued based mainly on comps I’m worried I might get the same appraisal again.

These are mainly for retirees, high income earner doctor's or corp execs to park money, or owners that have sold off businesses.