Commercial Loans - When does a property become a commercial loan?

[Sean Kelley]

Hi All-

I'm looking at multifamily and apartment buildings and wondering at what point would a commercial loan be "accepted." What I mean is, when it's a commercial loan the bank is looking more at the property and income generated from that and a little less at the personal income because it's seen as a business. 

For example, would a quadplex qualify as a commercial loan? Is there a certain number of apartments that would have to be on the property to be qualify as a commercial loan? 10? 20? 

Thanks for any advice!
-Sean