Probably not.

It seems like the people in your situation probably were not totally honest with their lenders, which people do at times.

I probably have 30 more years left on this earth. 

Yes the bookValue is probably the same.

Normal the price you would be approved for for a single family is not the same as the amount you would be approved for for a 4 plex, although they will probably hesitate giving you a number for a 4 plex without knowing more details about the property you are looking at.  

Some are probably related but some are not.

The thing you'll probably be surprised about going from here to there is they don't have basements or if they do they don't count them in square footage.

With rules in place to keep the feel of the community in place as much as you can.Sorry, I know this probably doesn't help answer your question much but it's a good and provocative question for discussion! 

@Nancy Roth This is probably gonna sound horrible...

Shared laundry probably doesn't make sense for only 3 units.Individual hook ups would be a big selling point to new tenants, but you can't cheap out by not having a HW hook up to the w/d.