I just inherited a quadplex in my name alone and am looking to get cash to build a second home.  Most traditional lenders will not write loans on a quadplex from what I found.  AM I limited to commercial loans?  Also since my wife has a W2 job should I quick claim deed it to us jointly to boost our income level?  aTdHvAaNnKcSe

Plugging in a pretty generic cash out 4plex investment scenario, I'd say about 2/3 are not. That means that about 1/3 are. None of that 1/3 are places with a lot of brand recognition. Call an independent mortgage broker local to you. Picture related.  

I'm guessing right about now any place with lots of national brand recognition is flush with easy vanilla owner occ rate/term refis, they have no incentive to take on anything the least bit non-vanilla. 

@David Floyd

Where is the property, what's the approximate value and how's credit?

Titusville, Fl $400K and credit 798. 

@David Floyd I have been writing notes on cash-out refis, even now. A lot of lenders have overlays as we speak, there are a few that don’t.