Fannie Mae Rates for Multifamily??

[Wade Garrett]

I am in contract on a fourplex and have four conventional rate quotes that are varying drastically. 

Background: It will be an owner occupied fourplex, 30 yr fixed rate with 20% down. $400k purchase price. 

Two brick and mortar shops are quoting me 4.125% and 4.5%

Two brokers (one with good reputation) are both quoting me 3.625%. 

Traditional lenders are claiming that Fannie Mae demands a bump of 1/8% to 1/4% for EACH additional unit beyond 1. Is this true?

I am suspicious of the brokers, as it seems too good to be true. 

Thanks.