The real way to answer this question is to do a detailed break down of the numbers. 

It's a detailed perspective on how private lending works, with practical strategies for building wealth through this niche.

If you can find a precedent, that could bolster your argument significantly.Lean on the Physical Details: Four mailboxes, four sewer lines-those are big indicators that the property has been treated as a four-unit for some time.

Quote from @Bob Asad: Thanks for the detailed response.

Here's a post where I go into detail about DSCR loans as far as the importance of cash flow, credit scores and down payments: https://www.biggerpockets.com/forums/49/topics/1080147-refinance-rate-105Lender terms and fees vary widely.

You need to make sure you understand every detail: how the lease terms adapt over time, what kind of negotiating room you’ll have when it’s time to renew, and whether lenders in your area are open-minded about financing these kinds of ground leases.

I’m seeking guidance on how best to approach this situation and would appreciate your thoughts on what you would do if you were in my shoes.Here are the details: My current home loan is $242,000, and the property is estimated to be worth approximately $420,000 (± $5,000).

I doubt even Brian Chesky himself knows the exact detail nowadays. 

U want an attorney NOW to explain to you in detail the laws surrounding how the mechanics work.

It depends on the LTV, type of loan, whether it is rate and term or cash out refi, and some other details, but that's not crazy.