what are my loan options for a multi-unit (4plex) property? do i have to co commercial?

Hello,You don't have to use commercial financing and your options are really any conventional or government product that you qualify for.1 to 4 units is residential financing and 5+ units will require commercial financing

If you do use Gov financing like FHA, VA or USDA you will need to live in one of the units.

You do not have to do a commercial loan for 1-4 unitsAre you buying in your name or an LLC?

Up to 4 units qualify for conventional financing.. only if it's over 4 units will you need to go commercial. If you live in one of the units, you can get a low down payment option.. however, if it's 100% rental/investment, then you will need to have 20% or more down.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / MKS Lending LLC DBA Trusted Lending Center, NMLS 1018196 / AZMB 1414920