Conventional conforming stuff, FNMA 30YF: This is your bread and butter cashflow rental property product line.

How close to they conform to being a duplex? 

Then you've got portfolio lenders that don't necessarily conform to Fannie Freddie underwriting standards but to the guarantor's credit and the property's cash flow. 

We want to add a garage to a 4plex but the city has re-zoned the lot to SFR use and says our property is legal non conforming so we are not able to expand.i think a garage is an accessory that is consistent with accessory's for a house,  so it should be OK to my thinking, Is there a tact full way to approach the city with this?

@Jose Furman, I agree with @Zack Karp There's a ton of variations and lenders both conventional conforming and private or portfolio. 

I had to show, in my case, that the property had been non-conforming since 1976. 

@Charlene Stovin, BiggerPockets has worked with attorneys in each state to craft comprehensive documents that conform to each state's laws.If you're scared to death and have anxiety, you need a SOLID lease to protect your assets, not something you downloaded from the internet.

But I have four triplexes in contract right now that I am wanting to finance in a conforming 30 year mortgage to get the best possible rates and improve the cash on cash return.

What matters is that you buy a property that conforms to the three criteria and targets “good” tenants.

We will have to see how this plays out in the markets starting tomorrow.We primarily have jumbo loans in San Francisco, as nearly all loans exceed the conforming loan limit.