The house is 1100 square feet as it stands but the attic is large enough to be converted to living space which would add 200 square feet to “living space” it also a business zoned lot and also has a small building near the road that was built in the 50s and was used as an accountants office.

Any lender should be able to use 75% of the projected income from the other 3 units. keep inmind that there are rate adjustments for purchasing more then one unit, so when you get pre-approved make sure that you mention to your loan officer that you are looking to purchase 4 units. 

Have you gone through that with a loan officer?  

The county accessors office website provides detailed info on every property, including taxes.

Lately, there has been a general increase in the adaptive reuse and redevelopment of hospitality and office space into multifamily projects. 

I got into a debate with a loan officer from my mortgage company on the phone.

They create LLCs in the state where the property is located while maintaining an office at their home in a different state. 

This is essentially going to be a free house and, on top of that, I am now a licensed loan officer and can do the refinance myself to collect a commission on the back end of the refinance making it a steal of deal!

Maybe you can attract some long term employed people (Hospital, Post Office, Grocery Store, Target, Dollar General, etc...)(???)

Try emailing the permit office so that they put the answers to your questions in writing.We are not going to know the answers.